/* ===== FUNDS APPROVAL CENTER - MASTER STYLESHEET ===== */
:root {
  --navy: #0b1f3a;
  --navy2: #122848;
  --gold: #c8972a;
  --gold2: #f0ba50;
  --teal: #1a7f7a;
  --teal2: #22a8a1;
  --light: #f4f7fc;
  --white: #ffffff;
  --muted: #6b7a90;
  --danger: #d64045;
  --success: #1a7f7a;
  --border: #d6e0ee;
  --shadow: 0 8px 40px rgba(11, 31, 58, 0.13);
  --radius: 12px;
  --ff-head: "Playfair Display", serif;
  --ff-body: "DM Sans", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--ff-body);
  background: var(--light);
  color: var(--navy);
  line-height: 1.65;
}

a {
  text-decoration: none;
  color: inherit;
}
img {
  max-width: 100%;
  display: block;
}

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== TOP BAR ===== */
.topbar {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.75);
  font-size: 13px;
  padding: 8px 0;
  text-align: center;
  letter-spacing: 0.3px;
}
.topbar a {
  color: var(--gold2);
  font-weight: 500;
}
.topbar a:hover {
  text-decoration: underline;
}

/* ===== HEADER / NAV ===== */
header {
  background: var(--white);
  border-bottom: 3px solid var(--gold);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 18px rgba(11, 31, 58, 0.09);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  max-width: 1180px;
  margin: 0 auto;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  width: 46px;
  height: 46px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.logo-icon svg {
  width: 26px;
  height: 26px;
  fill: var(--gold2);
}
.logo-text {
  line-height: 1.15;
}
.logo-text strong {
  display: block;
  font-family: var(--ff-head);
  font-size: 20px;
  color: var(--navy);
  letter-spacing: -0.3px;
}
.logo-text span {
  font-size: 11px;
  color: var(--teal);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* Nav links */
nav {
  display: flex;
  align-items: center;
  gap: 6px;
}
nav a {
  padding: 8px 14px;
  font-size: 14px;
  font-weight: 500;
  color: var(--navy);
  border-radius: 6px;
  transition:
    background 0.18s,
    color 0.18s;
}
nav a:hover {
  background: var(--light);
  color: var(--teal);
}

.btn-apply-nav {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold2) 100%);
  color: var(--navy) !important;
  font-weight: 700 !important;
  padding: 10px 20px !important;
  border-radius: 8px !important;
  box-shadow: 0 3px 12px rgba(200, 151, 42, 0.35);
  transition:
    transform 0.15s,
    box-shadow 0.15s !important;
}
.btn-apply-nav:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(200, 151, 42, 0.45) !important;
}

/* Hamburger */
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: 0.3s;
}

/* ===== HERO ===== */
.hero {
  /* background: linear-gradient(
    135deg,
    var(--navy) 0%,
    var(--navy2) 50%,
    #000205 100%
  ); */
  background: linear-gradient(135deg, #010307 0%, #030d1c 100%);
  color: var(--white);
  padding: 90px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200, 151, 42, 0.18);
  border: 1px solid rgba(200, 151, 42, 0.4);
  color: var(--gold2);
  font-size: 13px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 50px;
  margin-bottom: 22px;
  text-transform: uppercase;
  letter-spacing: 0.7px;
}
.hero h1 {
  font-family: var(--ff-head);
  font-size: clamp(36px, 4vw, 54px);
  line-height: 1.12;
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}
.hero h1 em {
  color: var(--gold2);
  font-style: normal;
}
.hero p {
  font-size: 17px;
  color: rgba(255, 255, 255, 0.78);
  max-width: 460px;
  margin-bottom: 34px;
}
.hero-stats {
  display: flex;
  gap: 30px;
  flex-wrap: wrap;
}
.stat-item {
  text-align: left;
}
.stat-item strong {
  display: block;
  font-size: 26px;
  font-family: var(--ff-head);
  color: var(--gold2);
}
.stat-item span {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.6);
}

/* Hero form card */
.hero-form-card {
  background: var(--white);
  border-radius: 18px;
  padding: 36px 32px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
  color: var(--navy);
}
.hero-form-card h3 {
  font-family: var(--ff-head);
  font-size: 22px;
  margin-bottom: 6px;
  color: var(--navy);
}
.hero-form-card p {
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 24px;
}
.quick-amount-slider {
  margin-bottom: 20px;
}
.quick-amount-slider label {
  font-weight: 600;
  font-size: 14px;
  display: flex;
  justify-content: space-between;
  margin-bottom: 8px;
}
.quick-amount-slider label span {
  font-size: 18px;
  color: var(--teal);
  font-family: var(--ff-head);
}
input[type="range"] {
  width: 100%;
  accent-color: var(--teal);
  height: 6px;
  cursor: pointer;
}
.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--muted);
  margin-top: 4px;
}

.btn-primary {
  display: block;
  width: 100%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold2) 100%);
  color: var(--navy);
  font-family: var(--ff-body);
  font-size: 17px;
  font-weight: 700;
  border: none;
  border-radius: 10px;
  padding: 16px;
  cursor: pointer;
  transition:
    transform 0.15s,
    box-shadow 0.15s;
  box-shadow: 0 4px 16px rgba(200, 151, 42, 0.4);
  text-align: center;
  letter-spacing: 0.2px;
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(200, 151, 42, 0.5);
}

@keyframes pulse-gold {
  0%,
  100% {
    box-shadow: 0 4px 20px rgba(200, 151, 42, 0.4);
  }
  50% {
    box-shadow: 0 6px 30px rgba(200, 151, 42, 0.65);
  }
}
.hero-form-card .btn-primary {
  animation: pulse-gold 2.5s ease-in-out infinite;
}

.trust-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 16px;
  font-size: 12px;
  color: var(--muted);
  flex-wrap: wrap;
}
.trust-row .dot {
  width: 4px;
  height: 4px;
  background: var(--border);
  border-radius: 50%;
}
.trust-row svg {
  width: 14px;
  height: 14px;
  fill: var(--teal);
  flex-shrink: 0;
}

/* ===== TRUST BAND ===== */
.trust-band {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 18px 0;
}
.trust-band-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 500;
  color: var(--muted);
}
.trust-item svg {
  width: 18px;
  height: 18px;
  fill: var(--teal);
}

/* ===== SECTIONS ===== */
section {
  padding: 80px 0;
}
.section-label {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--teal);
  margin-bottom: 12px;
}
.section-title {
  font-family: var(--ff-head);
  font-size: clamp(28px, 3vw, 40px);
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-sub {
  font-size: 16px;
  color: var(--muted);
  max-width: 560px;
}
.section-header {
  margin-bottom: 52px;
}
.section-header.center {
  text-align: center;
}
.section-header.center .section-sub {
  margin: 0 auto;
}

/* ===== HOW IT WORKS ===== */
#how-it-works {
  background: var(--white);
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
}
.step-card {
  text-align: center;
  padding: 36px 24px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition:
    box-shadow 0.2s,
    transform 0.2s;
  background: var(--light);
  position: relative;
}
.step-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}
.step-num {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--ff-head);
  font-size: 22px;
  color: var(--gold2);
  margin: 0 auto 20px;
}
.step-card h4 {
  font-family: var(--ff-head);
  font-size: 18px;
  margin-bottom: 10px;
  color: var(--navy);
}
.step-card p {
  font-size: 14px;
  color: var(--muted);
}

/* ===== RATES & FEES ===== */
#rates {
  background: var(--light);
}
.rates-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  font-size: 14px;
}
thead {
  background: var(--navy);
  color: var(--white);
}
thead th {
  padding: 16px 20px;
  text-align: left;
  font-weight: 600;
  letter-spacing: 0.3px;
}
tbody tr {
  border-bottom: 1px solid var(--border);
}
tbody tr:last-child {
  border: none;
}
tbody td {
  padding: 14px 20px;
  color: var(--navy);
}
tbody tr:nth-child(even) {
  background: var(--light);
}
.rate-highlight {
  color: var(--teal);
  font-weight: 700;
}

.disclaimer {
  font-size: 12px;
  color: var(--muted);
  margin-top: 18px;
  line-height: 1.7;
  padding: 16px;
  background: var(--white);
  border-radius: 8px;
  border: 1px solid var(--border);
}

/* ===== LOAN FORM SECTION ===== */
#apply {
  /* background: linear-gradient(135deg, var(--navy) 0%, #0d3060 100%); */
  background: #010d1e;
}
#apply .section-title,
#apply .section-label {
  color: var(--white);
}
#apply .section-sub {
  color: rgba(255, 255, 255, 0.65);
}

/* Multi-step form */
.form-wrapper {
  background: var(--white);
  border-radius: 20px;
  box-shadow: 0 24px 80px rgba(0, 0, 0, 0.3);
  overflow: hidden;
}
.form-progress {
  background: var(--navy);
  padding: 20px 32px;
  display: flex;
  align-items: center;
  gap: 0;
}
.progress-step {
  display: flex;
  align-items: center;
  flex: 1;
}
.progress-step:last-child {
  flex: 0;
}
.p-circle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.15);
  border: 2px solid rgba(255, 255, 255, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.5);
  flex-shrink: 0;
  transition: 0.3s;
}
.p-circle.active {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}
.p-circle.done {
  background: var(--teal);
  border-color: var(--teal);
  color: var(--white);
}
.p-label {
  margin-left: 8px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.55);
  font-weight: 500;
  white-space: nowrap;
}
.p-label.active {
  color: var(--gold2);
}
.p-line {
  flex: 1;
  height: 2px;
  background: rgba(255, 255, 255, 0.15);
  margin: 0 10px;
}
.p-line.done {
  background: var(--teal);
}

.form-body {
  padding: 36px 40px;
}
.form-step {
  display: none;
}
.form-step.active {
  display: block;
}

.step-heading {
  font-family: var(--ff-head);
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 6px;
}
.step-sub {
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 28px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 22px;
}
.form-grid.cols-3 {
  grid-template-columns: 1fr 1fr 1fr;
}
.form-grid.cols-1 {
  grid-template-columns: 1fr;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.field.full {
  grid-column: 1 / -1;
}

.field label {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
}
.field label .req {
  color: var(--danger);
}

.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: var(--ff-body);
  font-size: 14px;
  color: var(--navy);
  background: var(--white);
  transition:
    border-color 0.18s,
    box-shadow 0.18s;
  -webkit-appearance: none;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(26, 127, 122, 0.12);
}
.field input.error,
.field select.error {
  border-color: var(--danger);
}
.field .err-msg {
  font-size: 11.5px;
  color: var(--danger);
  display: none;
}
.field .err-msg.show {
  display: block;
}
.field .hint {
  font-size: 11px;
  color: var(--muted);
}

.radio-group {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.radio-label {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 10px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  cursor: pointer;
  font-size: 13px;
  font-weight: 500;
  transition:
    border-color 0.18s,
    background 0.18s;
  user-select: none;
}
.radio-label input {
  accent-color: var(--teal);
}
.radio-label:has(input:checked) {
  border-color: var(--teal);
  background: rgba(26, 127, 122, 0.06);
  color: var(--teal);
}

.consent-box {
  background: var(--light);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 16px;
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.7;
}
.consent-box label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  margin-bottom: 10px;
}
.consent-box label:last-child {
  margin-bottom: 0;
}
.consent-box input[type="checkbox"] {
  margin-top: 2px;
  accent-color: var(--teal);
  flex-shrink: 0;
}

.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.btn-back {
  background: none;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 12px 24px;
  font-family: var(--ff-body);
  font-size: 14px;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  transition: 0.18s;
}
.btn-back:hover {
  border-color: var(--navy);
  color: var(--navy);
}
.btn-next {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal2) 100%);
  color: var(--white);
  border: none;
  border-radius: 8px;
  padding: 13px 32px;
  font-family: var(--ff-body);
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: 0.18s;
  box-shadow: 0 4px 16px rgba(26, 127, 122, 0.35);
}
.btn-next:hover {
  transform: translateY(-1px);
  box-shadow: 0 7px 22px rgba(26, 127, 122, 0.45);
}
.btn-submit {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold2) 100%);
  color: var(--navy);
  border: none;
  border-radius: 8px;
  padding: 15px 40px;
  font-family: var(--ff-body);
  font-size: 16px;
  font-weight: 800;
  cursor: pointer;
  transition: 0.18s;
  box-shadow: 0 4px 20px rgba(200, 151, 42, 0.4);
}
.btn-submit:hover {
  transform: translateY(-2px);
}
.btn-submit:disabled {
  opacity: 0.7;
  cursor: not-allowed;
  transform: none;
}

/* Success state */
.form-success {
  display: none;
  text-align: center;
  padding: 60px 40px;
}
.form-success.show {
  display: block;
}
.success-icon {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal2) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.success-icon svg {
  width: 36px;
  height: 36px;
  fill: var(--white);
}
.form-success h3 {
  font-family: var(--ff-head);
  font-size: 28px;
  margin-bottom: 12px;
}
.form-success p {
  color: var(--muted);
  font-size: 15px;
}

/* Spinner */
.spinner {
  display: none;
  width: 20px;
  height: 20px;
  border: 2.5px solid rgba(11, 31, 58, 0.2);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  margin: 0 auto;
}
@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

/* ===== LOAN DECLINED / ALTERNATIVE OPTIONS MODAL & SCREEN ===== */
.declined-screen {
  display: none;
  background: #f8fafc;
  padding: 50px 24px;
  border-radius: 24px;
  margin-top: 10px;
  box-shadow: 0 20px 60px rgba(11, 31, 58, 0.12);
  font-family: var(--ff-body);
}
.declined-screen.show {
  display: block;
}
.declined-header {
  text-align: center;
  margin-bottom: 36px;
  position: relative;
}
.declined-brand {
  font-size: 26px;
  font-weight: 900;
  color: #0f172a;
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.declined-brand span.logo-text-ld {
  color: #0f172a;
}
.declined-brand span.logo-text-ld strong {
  color: #2563eb;
}
.secure-comp-tag {
  font-size: 12px;
  font-weight: 600;
  color: #64748b;
  display: flex;
  align-items: center;
  gap: 4px;
}
.more-options-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  color: #059669;
  font-size: 11px;
  font-weight: 800;
  padding: 6px 14px;
  border-radius: 50px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 14px;
}
.declined-header h2 {
  font-size: 38px;
  font-weight: 900;
  color: #0f172a;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}
.declined-header p {
  font-size: 15px;
  color: #64748b;
}

/* Offers Table Container */
.offers-table-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.04);
}
.offers-table {
  width: 100%;
  border-collapse: collapse;
}
.offers-table th {
  background: #f1f5f9;
  text-align: left;
  padding: 14px 24px;
  font-size: 12px;
  font-weight: 800;
  color: #475569;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  border-bottom: 1px solid #e2e8f0;
}
.offers-table td {
  padding: 22px 24px;
  border-bottom: 1px solid #f1f5f9;
  vertical-align: middle;
}
.offers-table tr:last-child td {
  border-bottom: none;
}
.provider-cell {
  display: flex;
  align-items: center;
  gap: 16px;
}
.provider-logo-box {
  width: 110px;
  height: 52px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 6px;
  flex-shrink: 0;
}
.provider-logo-box img {
  max-height: 36px;
  max-width: 90px;
  object-fit: contain;
}
.provider-info strong {
  display: block;
  font-size: 16px;
  font-weight: 800;
  color: #0f172a;
}
.provider-info span {
  font-size: 12px;
  color: #64748b;
}
.offer-title {
  font-size: 15px;
  font-weight: 800;
  color: #0f172a;
}
.offer-sub {
  font-size: 12px;
  color: #64748b;
}
.benefit-text {
  font-size: 14px;
  font-weight: 700;
  color: #0f172a;
}
.benefit-sub {
  font-size: 12px;
  color: #64748b;
}
.btn-request-orange {
  display: inline-block;
  background: linear-gradient(135deg, #f97316 0%, #fb923c 100%);
  color: #ffffff;
  font-weight: 800;
  font-size: 14px;
  padding: 12px 24px;
  border-radius: 12px;
  box-shadow: 0 4px 14px rgba(249, 115, 22, 0.35);
  transition:
    transform 0.15s,
    box-shadow 0.15s;
  white-space: nowrap;
}
.btn-request-orange:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(249, 115, 22, 0.45);
}
.top-pick-tag {
  background: #ffedd5;
  color: #ea580c;
  font-size: 10px;
  font-weight: 900;
  padding: 3px 8px;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 6px;
  display: inline-block;
}

.declined-disclaimer {
  font-size: 11px;
  color: #94a3b8;
  text-align: center;
  margin-top: 24px;
  line-height: 1.6;
}

/* ===== FAQS ===== */
#faqs {
  background: var(--white);
}
.faq-list {
  max-width: 760px;
  margin: 0 auto;
}
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 18px 22px;
  font-family: var(--ff-body);
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-icon {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  transition: transform 0.25s;
  fill: var(--teal);
}
.faq-item.open .faq-icon {
  transform: rotate(45deg);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition:
    max-height 0.3s ease,
    padding 0.3s;
  padding: 0 22px;
}
.faq-item.open .faq-a {
  max-height: 400px;
  padding: 0 22px 18px;
}
.faq-a p {
  font-size: 14px;
  color: var(--muted);
  line-height: 1.75;
}

/* ===== ADVERTISING CLOSURE ===== */
#advertising {
  background: var(--light);
}
.adv-box {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 40px;
  border: 1px solid var(--border);
  line-height: 1.8;
}
.adv-box h4 {
  font-family: var(--ff-head);
  font-size: 18px;
  margin-bottom: 12px;
  color: var(--navy);
}
.adv-box p {
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 16px;
}
.adv-box ul {
  margin-left: 20px;
  font-size: 14px;
  color: var(--muted);
}

/* ===== CONTACT ===== */
#contact {
  background: var(--white);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 60px;
  align-items: start;
}
.contact-info h4 {
  font-family: var(--ff-head);
  font-size: 18px;
  margin-bottom: 20px;
}
.contact-item {
  display: flex;
  gap: 14px;
  margin-bottom: 20px;
}
.c-icon {
  width: 40px;
  height: 40px;
  background: rgba(26, 127, 122, 0.1);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.c-icon svg {
  width: 18px;
  height: 18px;
  fill: var(--teal);
}
.contact-item p {
  font-size: 13px;
  color: var(--muted);
}
.contact-item strong {
  display: block;
  font-size: 14px;
  color: var(--navy);
  font-weight: 600;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: var(--ff-body);
  font-size: 14px;
  color: var(--navy);
  transition: border-color 0.18s;
}
.contact-form input:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--teal);
}
.contact-form textarea {
  height: 120px;
  resize: vertical;
}

/* ===== FOOTER ===== */
footer {
  /* background: var(--navy); */
  background: #010307;
  color: rgba(255, 255, 255, 0.65);
  padding: 60px 0 0;
}
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-brand .logo-text strong {
  color: var(--white);
}
.footer-brand .logo-text span {
  color: var(--teal2);
}
.footer-brand p {
  font-size: 13px;
  margin-top: 14px;
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.55);
}
.footer-badges {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 20px;
}
.badge {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 6px;
  padding: 6px 12px;
  font-size: 11px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.badge.gold {
  background: rgba(200, 151, 42, 0.2);
  border-color: rgba(200, 151, 42, 0.4);
  color: var(--gold2);
}

.ola-badge {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 8px;
  padding: 8px 14px;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 10px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.6);
  text-transform: uppercase;
  letter-spacing: 0.8px;
}
.ola-dot {
  width: 24px;
  height: 24px;
  background: var(--gold);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 9px;
  font-weight: 900;
  color: var(--navy);
}

.footer-col h5 {
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 16px;
}
.footer-col ul {
  list-style: none;
}
.footer-col ul li {
  margin-bottom: 10px;
}
.footer-col ul li a {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
  transition: color 0.18s;
}
.footer-col ul li a:hover {
  color: var(--gold2);
}

.footer-bottom {
  padding: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.35);
}
.footer-bottom a {
  color: rgba(255, 255, 255, 0.45);
}
.footer-bottom a:hover {
  color: var(--gold2);
}

.footer-legal {
  padding: 0 0 28px;
  font-size: 11px;
  color: rgba(255, 255, 255, 0.3);
  line-height: 1.8;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding-top: 22px;
}

/* ===== ALERT BOX ===== */
.alert {
  padding: 14px 18px;
  border-radius: 8px;
  font-size: 13.5px;
  margin-bottom: 20px;
  display: none;
}
.alert.error {
  background: #fff0f0;
  border: 1px solid #ffcdd2;
  color: #b71c1c;
  display: block;
}
.alert.success {
  background: #e8f5e9;
  border: 1px solid #a5d6a7;
  color: #1b5e20;
  display: block;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero {
    text-align: center;
    padding: 60px 0;
  }
  .hero p {
    margin: 0 auto 28px;
  }
  .hero-stats {
    justify-content: center;
  }
  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .form-grid.cols-3 {
    grid-template-columns: 1fr;
  }
  .offers-table th:nth-child(2),
  .offers-table td:nth-child(2) {
    display: none;
  }
}

@media (max-width: 600px) {
  nav {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 74px;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 16px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    border-top: 1px solid var(--border);
  }
  nav.open {
    display: flex;
  }
  .hamburger {
    display: flex;
  }
  .footer-top {
    grid-template-columns: 1fr;
  }
  .form-body {
    padding: 24px 20px;
  }
  .form-progress {
    padding: 16px 20px;
    overflow-x: auto;
  }
  .p-label {
    display: none;
  }
  .provider-cell {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
  .offers-table td {
    padding: 16px 14px;
  }
}

/* Section transitions */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition:
    opacity 0.55s ease,
    transform 0.55s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: none;
}

/* Filled-track slider */
.loan-range-wrap {
  position: relative;
  height: 20px;
  display: flex;
  align-items: center;
}
.loan-range-wrap input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  position: relative;
  z-index: 2;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: transparent;
  cursor: pointer;
  margin: 0;
}
.loan-range-wrap input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 3px;
  background: transparent;
}
.loan-range-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--white);
  border: 2.5px solid var(--teal);
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.15);
  margin-top: -7px;
  cursor: pointer;
}
.loan-range-wrap input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--white);
  border: 2.5px solid var(--teal);
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.15);
  cursor: pointer;
}
.loan-range-wrap input[type="range"]::-moz-range-track {
  height: 6px;
  border-radius: 3px;
  background: transparent;
}
.loan-track-bg {
  position: absolute;
  left: 0;
  right: 0;
  height: 6px;
  border-radius: 3px;
  background: var(--border);
  z-index: 0;
  pointer-events: none;
}
.loan-track-fill {
  position: absolute;
  left: 0;
  height: 6px;
  border-radius: 3px;
  background: var(--teal);
  z-index: 1;
  pointer-events: none;
}