/* ==========================================================================
   NYOTA CASH - PREMIUM FINTECH DESIGN SYSTEM
   ========================================================================== */

/* Design Tokens & Theme Variables */
:root {
  /* Harmonious Color Palette */
  --primary-dark: #064e3b;       /* Deep Forest Emerald - Trust & Security */
  --primary: #0f766e;            /* Medium Teal-Green - Brand Primary */
  --primary-light: #115e59;      /* Dark Teal - Hover State */
  --accent: #10b981;             /* Vibrant Mint - Highlight & Ticks */
  --accent-light: #d1fae5;       /* Soft green wash - Background badges */
  --accent-glow: rgba(16, 185, 129, 0.25);
  
  /* LendPlus Premium Theme Accents */
  --trust-blue: #0b4ca3;          /* Sleek Navy/Blue */
  --trust-blue-dark: #093c82;     /* Darker Navy/Blue */
  --gold-accent: #fbc02d;         /* Vibrant Gold/Yellow */
  --gold-hover: #f5b800;          /* Slightly Darker Gold for Hover */
  
  --bg-main: #f8fafc;            /* Crisp cool slate white */
  --bg-secondary: #f1f5f9;       /* Soft grey section backgrounds */
  --card-bg: #ffffff;            /* Pure white for containers */
  --border-color: #e2e8f0;       /* Fine line separations */
  
  /* Text colors */
  --text-main: #0f172a;          /* Rich slate for headers */
  --text-secondary: #334155;     /* Dark grey body copy */
  --text-muted: #64748b;         /* Slate grey for subtext */
  
  /* System States */
  --error-color: #ef4444;        /* Crimson Red - Validation errors */
  --error-bg: #fee2e2;           /* Light red wash */
  --success-color: #10b981;
  --success-bg: #ecfdf5;
  
  /* Typography */
  --font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  
  /* Layout Radius & Shadows */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-full: 9999px;
  
  --shadow-sm: 0 1px 3px 0 rgba(0, 0, 0, 0.05), 0 1px 2px -1px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.05), 0 2px 4px -2px rgba(15, 23, 42, 0.05);
  --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.08);
  --shadow-premium: 0 20px 25px -5px rgba(6, 78, 59, 0.05), 0 8px 10px -6px rgba(6, 78, 59, 0.05);
  
  /* Navigation */
  --header-height: 80px;
}

/* ==========================================================================
   BASE & RESET STYLES
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-family);
  background-color: var(--bg-main);
  color: var(--text-secondary);
  line-height: 1.6;
  overflow-x: hidden;
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

main {
  flex-grow: 1;
}

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

a {
  color: inherit;
  text-decoration: none;
  transition: color 0.25s ease;
}

/* General Layout Containers */
.container {
  width: 100%;
  max-width: 1200px;
  margin-right: auto;
  margin-left: auto;
  padding-right: 1.5rem;
  padding-left: 1.5rem;
}

.text-center {
  text-align: center;
}

.hidden {
  display: none !important;
}

/* ==========================================================================
   BUTTONS & TYPOGRAPHY
   ========================================================================== */
h1, h2, h3, h4 {
  color: var(--text-main);
  font-weight: 700;
  line-height: 1.25;
}

h1 {
  font-size: 2.5rem;
  letter-spacing: -0.025em;
}

h2 {
  font-size: 2rem;
  letter-spacing: -0.02em;
}

h3 {
  font-size: 1.35rem;
}

.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent);
  margin-bottom: 0.75rem;
  padding: 0.25rem 0.75rem;
  background-color: var(--accent-light);
  border-radius: var(--radius-full);
}

.section-header {
  margin-bottom: 3.5rem;
  max-width: 650px;
  margin-left: auto;
  margin-right: auto;
}

.section-subheader {
  font-size: 1.1rem;
  color: var(--text-muted);
  margin-top: 0.75rem;
}

/* Button UI */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-family);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  outline: none;
}

.btn-large {
  padding: 0.9rem 2rem;
  font-size: 1rem;
}

.btn-full {
  width: 100%;
}

.btn-primary {
  background-color: var(--primary-dark);
  color: #ffffff;
}

.btn-primary:hover {
  background-color: var(--primary-light);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(6, 78, 59, 0.2);
}

.btn-primary:focus {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

.btn-secondary {
  background-color: var(--card-bg);
  border-color: var(--border-color);
  color: var(--text-main);
}

.btn-secondary:hover {
  background-color: var(--bg-secondary);
  border-color: #cbd5e1;
}

.btn-text {
  background: none;
  border: none;
  font-family: var(--font-family);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--primary-dark);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: transform 0.2s ease, color 0.2s ease;
  padding: 0.25rem 0;
}

.btn-text:hover {
  color: var(--accent);
  transform: translateX(3px);
}

.btn-text-back {
  background: none;
  border: none;
  font-family: var(--font-family);
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--text-muted);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: color 0.2s ease;
}

.btn-text-back:hover {
  color: var(--text-main);
}

.back-arrow-icon {
  width: 18px;
  height: 18px;
  transition: transform 0.2s ease;
}

.btn-text-back:hover .back-arrow-icon {
  transform: translateX(-3px);
}

/* ==========================================================================
   NAVIGATION HEADER
   ========================================================================== */
.main-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background-color: rgba(248, 250, 252, 0.85); /* Blurry main bg */
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.8);
  height: var(--header-height);
  display: flex;
  align-items: center;
  transition: background-color 0.3s ease;
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--primary-dark);
  font-weight: 800;
  font-size: 1.45rem;
  letter-spacing: -0.03em;
}

.star-logo {
  width: 28px;
  height: 28px;
  color: var(--accent);
}

.accent-text {
  color: var(--text-main);
  font-weight: 400;
}

/* Navbar Link Items */
.navbar {
  display: flex;
  align-items: center;
  gap: 2.5rem;
}

.nav-links {
  display: flex;
  list-style: none;
  gap: 2rem;
}

.nav-link-item {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-secondary);
  padding: 0.5rem 0;
  position: relative;
}

.nav-link-item::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--accent);
  transition: width 0.25s ease;
}

.nav-link-item:hover {
  color: var(--text-main);
}

.nav-link-item:hover::after {
  width: 100%;
}

/* Mobile Hamburger Toggle */
.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 24px;
  height: 18px;
  background: transparent;
  border: none;
  cursor: pointer;
  z-index: 110;
}

.hamburger-bar {
  width: 100%;
  height: 2px;
  background-color: var(--text-main);
  border-radius: var(--radius-full);
  transition: transform 0.3s ease, opacity 0.3s ease;
}

/* ==========================================================================
   LANDING PAGE COMPONENTS
   ========================================================================== */

/* Hero Grid Layout */
.hero-section {
  padding-top: 5rem;
  padding-bottom: 5rem;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%); /* Premium Fintech Deep Green Gradient */
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.hero-container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 4rem;
  align-items: center;
}

.hero-left-col {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.hero-content {
  max-width: 580px;
}

.hero-title {
  font-size: 3.25rem;
  line-height: 1.15;
  color: #ffffff;
  margin-bottom: 0.75rem;
  font-weight: 800;
}

.hero-title .highlight-gold {
  color: var(--gold-accent);
}

.hero-subtitle {
  font-size: 1.5rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 0;
}

/* Hero Calculator Widget Card */
.hero-widget {
  width: 100%;
}

.widget-card {
  background-color: #ffffff;
  color: var(--text-main);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(226, 232, 240, 0.8);
  box-shadow: var(--shadow-premium);
  padding: 2.5rem 2rem;
  width: 100%;
}

.widget-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.5rem;
}

.widget-header h3 {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 1.5rem;
}

.slider-group {
  margin-bottom: 2rem;
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.75rem;
}

.label-text {
  font-size: 0.95rem;
  color: var(--text-secondary);
  font-weight: 600;
}

.slider-value {
  color: var(--primary);
  font-size: 1.35rem;
  font-weight: 800;
  padding-bottom: 2px;
  border-bottom: 2px solid #e2e8f0;
}

/* Custom range slider styling */
.range-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  background: #e2e8f0;
  border-radius: var(--radius-full);
  outline: none;
  margin: 1rem 0;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #ffffff;
  box-shadow: 0 3px 8px rgba(0, 0, 0, 0.15);
  cursor: pointer;
  transition: transform 0.15s ease;
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.range-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #ffffff;
  box-shadow: 0 3px 8px rgba(0, 0, 0, 0.15);
  cursor: pointer;
  transition: transform 0.15s ease;
}

.range-slider::-moz-range-thumb:hover {
  transform: scale(1.15);
}

.slider-min-max {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 600;
  margin-top: 0.5rem;
}

/* Summary Details Area */
.summary-details {
  margin-top: 2rem;
  margin-bottom: 2rem;
}

.total-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 0;
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
  font-size: 1.05rem;
  font-weight: 700;
}

.label-settlement {
  font-size: 1.05rem;
  color: var(--text-secondary);
  font-weight: 600;
}

.val-settlement {
  color: var(--text-main);
  font-size: 1.5rem;
  font-weight: 800;
}

/* Hero graphic illustration */
.hero-right-col {
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-illustration {
  width: 100%;
  max-width: 520px;
  display: flex;
  justify-content: center;
}

.hero-couple-img {
  width: 100%;
  height: auto;
  border-radius: var(--radius-md);
  object-fit: contain;
  transition: transform 0.5s ease;
}

.hero-couple-img:hover {
  transform: scale(1.02);
}

/* Trust Strip Section */
.trust-strip {
  background-color: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
  padding: 1.5rem 0;
}

.trust-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-main);
}

.trust-icon {
  width: 22px;
  height: 22px;
  color: var(--primary);
}

/* About / Brand Cards Section */
.about-section {
  padding: 6rem 0 3rem;
}

.badge-row {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 2rem;
}

.p-badge {
  background-color: var(--card-bg);
  border: 1px solid var(--border-color);
  padding: 0.5rem 1.25rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary-dark);
  box-shadow: var(--shadow-sm);
}

/* How It Works (Steps) */
.how-it-works {
  padding: 5rem 0;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 2rem;
}

.step-card {
  background-color: var(--card-bg);
  border: 1px solid var(--border-color);
  padding: 2.25rem 1.75rem;
  border-radius: var(--radius-md);
  position: relative;
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.3s ease;
  box-shadow: var(--shadow-sm);
}

.step-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(16, 185, 129, 0.4);
}

.step-num {
  font-size: 2.75rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 1rem;
}

.step-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.75rem;
}

.step-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
}

/* Loan Options Section */
.loan-options {
  padding: 5rem 0;
  background-color: var(--bg-secondary);
}

.options-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}

.option-card {
  background-color: var(--card-bg);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 2.5rem 2rem;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
}

.option-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(15, 118, 110, 0.3);
}

.option-icon-wrapper {
  background-color: var(--bg-main);
  color: var(--primary);
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  transition: background-color 0.2s ease, color 0.2s ease;
}

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

.option-card:hover .option-icon-wrapper {
  background-color: var(--primary-dark);
  color: #ffffff;
}

.option-card h3 {
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
}

.option-card p {
  font-size: 0.92rem;
  color: var(--text-muted);
  margin-bottom: 1.75rem;
  flex-grow: 1;
}

/* Why Choose Us Cards */
.why-choose-us {
  padding: 6rem 0;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}

.why-card {
  display: flex;
  gap: 1.25rem;
  background-color: var(--card-bg);
  padding: 1.75rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s ease;
}

.why-card:hover {
  box-shadow: var(--shadow-md);
}

.why-check {
  background-color: var(--accent-light);
  color: var(--accent);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.why-check svg {
  width: 14px;
  height: 14px;
}

.why-text h3 {
  font-size: 1.05rem;
  margin-bottom: 0.4rem;
}

.why-text p {
  font-size: 0.88rem;
  color: var(--text-muted);
}

/* Rates Display Section */
.rates-section {
  padding: 5rem 0 6rem;
  background-color: var(--bg-secondary);
}

.rates-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.rates-info h2 {
  font-size: 2.25rem;
  margin-bottom: 1.25rem;
  color: var(--primary-dark);
}

.rates-info p {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-bottom: 2rem;
}

.rates-disclaimer {
  background-color: rgba(226, 232, 240, 0.6);
  border-left: 3px solid var(--primary);
  padding: 1rem 1.25rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

.rates-disclaimer p {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin: 0;
}

.rates-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.stat-card {
  background-color: var(--card-bg);
  border: 1px solid var(--border-color);
  padding: 1.75rem 1.5rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  transition: transform 0.2s ease;
}

.stat-card:hover {
  transform: translateY(-2px);
}

.stat-label {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.05em;
}

.stat-value {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--primary-dark);
}

/* ==========================================================================
   APPLICATION FORM UI
   ========================================================================== */
.form-section {
  padding: 3.5rem 0 6rem;
  background: radial-gradient(circle at 50% 10%, rgba(209, 250, 229, 0.25) 0%, rgba(248, 250, 252, 0) 50%);
}

.form-container {
  max-width: 680px;
}

.form-back-header {
  margin-bottom: 1.5rem;
}

.form-card {
  background-color: var(--card-bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-premium);
  padding: 3rem 2.5rem;
}

/* Progress Tracker Bar styling */
.progress-tracker {
  position: relative;
  margin-bottom: 3.5rem;
}

.progress-bar-bg {
  position: absolute;
  top: 18px;
  left: 30px;
  right: 30px;
  height: 3px;
  background-color: var(--bg-secondary);
  z-index: 1;
}

.progress-bar-fill {
  height: 100%;
  width: 0%; /* Dynamic fill width */
  background-color: var(--accent);
  transition: width 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  border-radius: var(--radius-full);
}

.progress-steps {
  position: relative;
  z-index: 2;
  display: flex;
  justify-content: space-between;
}

.progress-step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
}

.step-circle {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--bg-secondary);
  color: var(--text-muted);
  font-weight: 700;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--border-color);
  transition: all 0.3s ease;
}

.step-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-muted);
  transition: color 0.3s ease;
}

/* Step States */
.progress-step-item.active .step-circle {
  background-color: var(--card-bg);
  border-color: var(--primary);
  color: var(--primary);
  box-shadow: 0 0 0 4px rgba(15, 118, 110, 0.15);
}

.progress-step-item.active .step-label {
  color: var(--primary-dark);
  font-weight: 700;
}

.progress-step-item.completed .step-circle {
  background-color: var(--accent);
  border-color: var(--accent);
  color: #ffffff;
}

.progress-step-item.completed .step-label {
  color: var(--text-main);
  font-weight: 600;
}

/* Form steps toggle logic */
.form-step-content {
  display: none;
}

.form-step-content.active {
  display: block;
  animation: slideFadeIn 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes slideFadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.form-step-title {
  font-size: 1.65rem;
  margin-bottom: 0.4rem;
  color: var(--primary-dark);
}

.form-step-subtitle {
  font-size: 0.92rem;
  color: var(--text-muted);
  margin-bottom: 2.25rem;
}

/* Inputs & Form Groups */
.input-group {
  margin-bottom: 1.75rem;
  display: flex;
  flex-direction: column;
}

.input-group label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-main);
  margin-bottom: 0.5rem;
}

.form-input, .form-select {
  font-family: var(--font-family);
  font-size: 0.95rem;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-color);
  background-color: var(--card-bg);
  color: var(--text-main);
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  width: 100%;
}

.form-input:focus, .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(15, 118, 110, 0.1);
}

.form-input::placeholder {
  color: #a0aec0;
}

.input-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 0.4rem;
}

.input-error-msg {
  color: var(--error-color);
  font-size: 0.78rem;
  font-weight: 600;
  margin-top: 0.4rem;
  display: none;
}

.input-group.invalid .form-input,
.input-group.invalid .form-select,
.input-group.invalid .phone-input-wrapper {
  border-color: var(--error-color);
}

.input-group.invalid .input-error-msg {
  display: block;
}

/* Specific Phone Input Customization */
.phone-input-wrapper {
  display: flex;
  align-items: center;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  background-color: var(--card-bg);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  width: 100%;
  overflow: hidden;
}

.phone-input-wrapper:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(15, 118, 110, 0.1);
}

.phone-prefix {
  padding: 0.75rem 0 0.75rem 1rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-main);
  border-right: 1px solid var(--border-color);
  background-color: var(--bg-secondary);
  user-select: none;
}

.phone-input {
  border: none !important;
  box-shadow: none !important;
  border-radius: 0 !important;
  padding-left: 0.75rem;
}

/* Category cards inside the application form */
.category-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}

.category-select-card {
  border: 1px solid var(--border-color);
  padding: 1.25rem 0.5rem;
  border-radius: var(--radius-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  cursor: pointer;
  transition: all 0.2s ease;
  background-color: var(--card-bg);
}

.category-select-card span {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-top: 0.5rem;
}

.category-card-icon {
  color: var(--text-muted);
  width: 24px;
  height: 24px;
  transition: color 0.2s ease;
}

.category-card-icon svg {
  width: 100%;
  height: 100%;
}

.category-select-card:hover {
  border-color: rgba(15, 118, 110, 0.3);
}

.category-select-card:hover span {
  color: var(--text-main);
}

.category-select-card.active {
  border-color: var(--primary);
  background-color: rgba(15, 118, 110, 0.03);
  box-shadow: 0 0 0 3px rgba(15, 118, 110, 0.08);
}

.category-select-card.active span {
  color: var(--primary-dark);
  font-weight: 700;
}

.category-select-card.active .category-card-icon {
  color: var(--primary);
}

/* Repayment selectors in form */
.period-select-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
}

.period-option-card {
  border: 1px solid var(--border-color);
  padding: 0.75rem 0.5rem;
  border-radius: var(--radius-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  cursor: pointer;
  transition: all 0.2s ease;
  background-color: var(--card-bg);
}

.period-num {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-muted);
  line-height: 1.2;
}

.period-text {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
}

.period-option-card:hover {
  border-color: rgba(15, 118, 110, 0.3);
}

.period-option-card.active {
  border-color: var(--primary);
  background-color: rgba(15, 118, 110, 0.03);
}

.period-option-card.active .period-num {
  color: var(--primary);
}

.period-option-card.active .period-text {
  color: var(--primary-dark);
}

/* Calculator displays inside Application Form */
.slider-header-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}

.calc-amount-display {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.math-preview-card {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-sm);
  margin-top: 1.75rem;
}

.math-header {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.05em;
  margin-bottom: 0.75rem;
  border-bottom: 1px solid var(--border-color);
  padding-bottom: 0.4rem;
}

.math-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem 0.5rem;
}

.math-cell {
  display: flex;
  flex-direction: column;
}

.math-cell.full-width {
  grid-column: 1 / span 2;
  border-top: 1px dashed var(--border-color);
  padding-top: 0.6rem;
  margin-top: 0.2rem;
}

.math-label {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.math-value {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-main);
}

.math-value.highlight-amount {
  font-size: 1.25rem;
  color: var(--primary-dark);
}

/* Form footer buttons navigation styling */
.form-actions-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 2.5rem;
  border-top: 1px solid var(--border-color);
  padding-top: 1.5rem;
}

/* Custom Select Dropdowns */
.form-select {
  appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg fill='%2364748b' height='24' viewBox='0 0 24 24' width='24' xmlns='http://www.w3.org/2000/svg'><path d='M7 10l5 5 5-5z'/><path d='M0 0h24v24H0z' fill='none'/></svg>");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  background-size: 1.25rem;
  padding-right: 2.25rem;
}

/* ==========================================================================
   PROCESSING VIEW
   ========================================================================== */
.processing-section {
  padding: 6rem 0;
  min-height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
}

.processing-container {
  max-width: 520px;
}

.processing-card {
  background-color: var(--card-bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-premium);
  padding: 3.5rem 2.5rem;
}

/* Loader circle styling */
.loader-circle-wrapper {
  position: relative;
  width: 110px;
  height: 110px;
  margin: 0 auto 2rem;
}

.loader-ring {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}

.ring-bg {
  fill: none;
  stroke: var(--bg-secondary);
  stroke-width: 6;
}

.ring-fill {
  fill: none;
  stroke: var(--primary-dark);
  stroke-width: 6;
  stroke-dasharray: 283;
  stroke-dashoffset: 283; /* 0 is fully filled, 283 is empty */
  stroke-linecap: round;
  transition: stroke-dashoffset 0.1s linear;
}

.loader-percentage {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.processing-card h2 {
  font-size: 1.65rem;
  margin-bottom: 0.5rem;
}

.processing-lead-text {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

/* Steps list checklists */
.processing-steps-checklist {
  text-align: left;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 320px;
  margin: 0 auto;
}

.checklist-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: color 0.3s ease;
}

.chk-status {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.3s ease;
  position: relative;
}

/* Checklist states */
.chk-status.pending {
  border: 2px solid var(--border-color);
  background-color: var(--bg-secondary);
}

.chk-status.active {
  border: 2px solid var(--primary);
  background-color: var(--card-bg);
}

.chk-status.active::after {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: var(--primary);
}

.chk-status.success {
  border: 2px solid var(--accent);
  background-color: var(--accent);
  color: #ffffff;
}

.chk-status.success::after {
  content: '\2713';
  font-size: 0.75rem;
  font-weight: 800;
}

.checklist-item.current {
  color: var(--text-main);
  font-weight: 600;
}

.checklist-item.done {
  color: var(--text-secondary);
}

/* ==========================================================================
   LOAN OFFER VIEW
   ========================================================================== */
.offer-section {
  padding: 4rem 0 6rem;
}

.offer-container {
  max-width: 580px;
}

.offer-card {
  background-color: var(--card-bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-premium);
  padding: 3.5rem 3rem;
  position: relative;
}

.offer-badge-success {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: var(--success-bg);
  border: 1px solid rgba(16, 185, 129, 0.2);
  color: var(--success-color);
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1.5rem;
}

.success-check-icon {
  width: 14px;
  height: 14px;
}

.offer-title {
  font-size: 2rem;
  margin-bottom: 0.4rem;
  color: var(--primary-dark);
}

.offer-subtitle {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

/* Offer box layouts */
.offer-details-box {
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  background-color: var(--bg-main);
  margin-bottom: 1.75rem;
}

.offer-primary-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.offer-row-label {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-muted);
}

.offer-row-val {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-main);
}

.offer-row-val.highlight {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.offer-divider {
  height: 1px;
  background-color: var(--border-color);
  margin: 1.25rem 0;
}

.offer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem 0.5rem;
}

.offer-grid-cell {
  display: flex;
  flex-direction: column;
}

.offer-grid-label {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.offer-grid-value {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-main);
}

.repayment-row {
  border-top: 1px dashed var(--border-color);
  padding-top: 1.25rem;
}

.repayment-row .offer-row-label {
  color: var(--text-main);
  font-weight: 700;
  font-size: 1rem;
}

.repayment-row .offer-row-val {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--accent);
}

.offer-terms-warning {
  margin-bottom: 2rem;
  background-color: rgba(226, 232, 240, 0.4);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1.15rem;
}

.offer-terms-warning p {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.5;
}

.offer-actions {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

/* ==========================================================================
   DISBURSEMENT VIEW
   ========================================================================== */
.disburse-section {
  padding: 4rem 0 6rem;
}

.disburse-container {
  max-width: 500px;
}

.disburse-card {
  background-color: var(--card-bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-premium);
  padding: 3.5rem 2.5rem;
}

.disburse-title {
  font-size: 1.65rem;
  margin-bottom: 0.4rem;
  color: var(--primary-dark);
}

.disburse-subtitle {
  font-size: 0.92rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.disburse-amount-box {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  text-align: center;
  margin-bottom: 2rem;
}

.disburse-amount-label {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-muted);
}

.disburse-amount-box h3 {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--primary-dark);
  margin: 0.25rem 0 0.5rem;
}

.disburse-phone-target {
  font-size: 0.85rem;
  color: var(--text-secondary);
}

.disburse-phone-target strong {
  color: var(--text-main);
}

/* Disburse states transitions styling */
.disburse-state-view {
  display: none;
}

.disburse-state-view.active {
  display: block;
  animation: slideFadeIn 0.3s ease;
}

.disburse-notice {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.8rem;
  color: var(--text-secondary);
  background-color: #eff6ff; /* light blue hint */
  border-left: 3px solid #3b82f6;
  padding: 1rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-bottom: 1.5rem;
  text-align: left;
}

.notice-icon {
  width: 18px;
  height: 18px;
  color: #3b82f6;
  flex-shrink: 0;
}

/* Spinner for confirmation check */
.disburse-spinner-wrapper {
  text-align: center;
  padding: 2rem 0;
}

.disburse-dots-loader {
  display: inline-flex;
  gap: 0.4rem;
  margin-bottom: 1rem;
}

.disburse-dots-loader span {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background-color: var(--primary);
  animation: bounceDot 0.6s infinite alternate;
}

.disburse-dots-loader span:nth-child(2) {
  animation-delay: 0.2s;
}

.disburse-dots-loader span:nth-child(3) {
  animation-delay: 0.4s;
}

@keyframes bounceDot {
  from {
    transform: translateY(0);
    opacity: 0.4;
  }
  to {
    transform: translateY(-8px);
    opacity: 1;
  }
}

.disburse-spinner-wrapper p {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-main);
}

/* Success state banner */
.success-banner {
  background-color: var(--success-bg);
  border: 1px solid rgba(16, 185, 129, 0.2);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  text-align: center;
  margin-bottom: 2rem;
}

.success-icon-badge {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--accent);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
}

.success-icon-badge svg {
  width: 22px;
  height: 22px;
}

.success-banner h3 {
  font-size: 1.25rem;
  color: var(--primary-dark);
  margin-bottom: 0.5rem;
}

.success-banner p {
  font-size: 0.88rem;
  color: var(--text-secondary);
}

/* Success next steps styling */
.mpesa-instructions {
  text-align: left;
  background-color: var(--bg-secondary);
  border-radius: var(--radius-sm);
  padding: 1.25rem 1.5rem;
  margin-bottom: 2rem;
}

.mpesa-instructions h4 {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.mpesa-instructions ol {
  padding-left: 1.25rem;
  font-size: 0.85rem;
  color: var(--text-secondary);
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.demo-api-disclaimer {
  margin-top: 1.75rem;
  border-top: 1px solid var(--border-color);
  padding-top: 1rem;
}

.demo-api-disclaimer p {
  font-size: 0.72rem;
  color: var(--text-muted);
  line-height: 1.4;
}

/* Excise Duty payment rows inside disburse-amount-box */
.disburse-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.75rem;
}

.disburse-row:last-child {
  margin-bottom: 0;
}

.disburse-row.highlight-row {
  border-top: 1px dashed var(--border-color);
  padding-top: 0.75rem;
  margin-top: 0.75rem;
}

.disburse-amount-value {
  font-weight: 700;
  color: var(--text-main);
}

.disburse-amount-value.highlight-text {
  font-size: 1.25rem;
  color: var(--accent);
}

/* Excise Payment view state visibility */
.excise-payment-state {
  display: none;
}

.excise-payment-state.active {
  display: block;
  animation: slideFadeIn 0.3s ease;
}

/* Under Review Section */
.review-status-section {
  padding: 4rem 0 6rem;
}

.review-status-container {
  max-width: 580px;
}

.review-status-card {
  background-color: var(--card-bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-premium);
  padding: 3.5rem 2.5rem;
}

.review-status-header {
  text-align: center;
  margin-bottom: 2rem;
}

/* Status Pulsing Badge */
.status-pulse-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: rgba(245, 158, 11, 0.1); /* Soft Amber/Orange */
  border: 1px solid rgba(245, 158, 11, 0.2);
  color: #d97706; /* Amber 600 */
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1.5rem;
}

.pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #f59e0b;
  box-shadow: 0 0 0 0 rgba(245, 158, 11, 0.7);
  animation: pulseDotAnim 1.5s infinite;
}

@keyframes pulseDotAnim {
  0% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(245, 158, 11, 0.7);
  }
  70% {
    transform: scale(1);
    box-shadow: 0 0 0 8px rgba(245, 158, 11, 0);
  }
  100% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(245, 158, 11, 0);
  }
}

.review-title {
  font-size: 1.75rem;
  color: var(--primary-dark);
  margin-bottom: 0.5rem;
}

.review-subtitle {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.5;
}

/* Dashboard Metric Box */
.review-dashboard {
  margin-bottom: 2rem;
}

.dashboard-metric-box {
  background-color: var(--bg-main);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 2rem;
}

.metric-item {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
}

.metric-label {
  color: var(--text-muted);
  font-weight: 500;
}

.metric-item strong {
  color: var(--text-main);
}

.metric-item strong.highlight-text {
  color: var(--primary-dark);
  font-weight: 800;
}

/* Timeline Checklist overrides and additions */
.status-checklist {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  text-align: left;
  border-left: 2px solid var(--border-color);
  padding-left: 1.5rem;
  margin-left: 0.75rem;
  margin-top: 1rem;
}

.status-checklist .checklist-item {
  position: relative;
  align-items: flex-start;
  gap: 1rem;
}

.status-checklist .chk-status {
  position: absolute;
  left: -31px; /* Center-align dot on the vertical line */
  top: 2px;
  background-color: var(--card-bg);
}

.chk-text-group h4 {
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 0.2rem;
  color: var(--text-main);
}

.chk-text-group p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.4;
}

.alert-notice {
  background-color: #fffbeb; /* Amber 50 hint */
  border-left-color: #f59e0b; /* Amber */
}

.alert-notice .notice-icon {
  color: #f59e0b;
}

/* Spinner and STK Push Sending specific styles */
.loader-status-text {
  margin-top: 0.5rem;
}

.loader-sub-text {
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 400 !important;
  margin-top: 0.5rem;
  line-height: 1.5;
}

/* Dev-only simulation controls */
.dev-mock-controls {
  margin-top: 2rem;
  padding: 1.25rem;
  background-color: var(--bg-secondary);
  border: 1px dashed var(--border-color);
  border-radius: var(--radius-md);
  text-align: center;
}

.dev-label {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.75rem;
  letter-spacing: 0.05em;
}

.dev-btn-row {
  display: flex;
  gap: 0.75rem;
  justify-content: center;
}

.btn-dev {
  font-size: 0.78rem;
  padding: 0.5rem 0.85rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all 0.2s ease;
}

.btn-dev-success {
  background-color: rgba(16, 185, 129, 0.1);
  border: 1px solid rgba(16, 185, 129, 0.3);
  color: var(--success-color);
}

.btn-dev-success:hover {
  background-color: var(--success-bg);
  border-color: rgba(16, 185, 129, 0.5);
}

.btn-dev-fail {
  background-color: rgba(239, 68, 68, 0.1);
  border: 1px solid rgba(239, 68, 68, 0.3);
  color: #ef4444;
}

.btn-dev-fail:hover {
  background-color: rgba(239, 68, 68, 0.2);
  border-color: rgba(239, 68, 68, 0.5);
}

/* Payment Error State Banner */
.payment-error-banner {
  text-align: center;
  background-color: rgba(239, 68, 68, 0.05);
  border: 1px solid rgba(239, 68, 68, 0.15);
  border-radius: var(--radius-md);
  padding: 2.25rem 1.5rem;
  margin-bottom: 1.75rem;
}

.error-icon-badge {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: #ef4444;
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
}

.error-icon-badge svg {
  width: 20px;
  height: 20px;
}

.payment-error-banner h3 {
  font-size: 1.25rem;
  color: #b91c1c;
  margin-bottom: 0.5rem;
}

.payment-error-banner p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.5;
  margin: 0;
}

/* ==========================================================================
   LANDING PAGE REDESIGN SECTIONS (LENDPLUS PREMIUM STYLE)
   ========================================================================== */

/* Gold Buttons Styling */
.btn-gold {
  background-color: var(--gold-accent) !important;
  color: #0b4ca3 !important; /* Deep Blue text */
  border: none !important;
  font-weight: 700 !important;
  transition: all 0.25s ease-in-out !important;
  box-shadow: 0 4px 10px rgba(251, 192, 45, 0.3) !important;
}

.btn-gold:hover {
  background-color: var(--gold-hover) !important;
  color: #093c82 !important;
  transform: translateY(-2px);
  box-shadow: 0 6px 14px rgba(251, 192, 45, 0.45) !important;
}

.btn-gold:active {
  transform: translateY(0);
}

/* Blue Section Titles */
.section-title-blue {
  color: var(--primary-dark);
  font-size: 2.25rem;
  font-weight: 800;
  margin-bottom: 2.5rem;
  text-align: center;
  position: relative;
  letter-spacing: -0.02em;
}

/* ==================== HOW TO BORROW MONEY ==================== */
.how-to-borrow {
  padding: 5rem 0;
  background-color: #ffffff;
  border-bottom: 1px solid var(--border-color);
}

.borrow-steps-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  max-width: 750px;
  margin: 0 auto;
}

.borrow-step-row {
  display: flex;
  align-items: center;
  gap: 2rem;
  padding: 1.75rem 2rem;
  background: var(--bg-main);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
  transition: all 0.3s ease;
}

.borrow-step-row:hover {
  transform: translateX(5px);
  border-color: rgba(15, 118, 110, 0.25);
  box-shadow: var(--shadow-md);
}

.borrow-step-badge {
  flex-shrink: 0;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background-color: var(--primary);
  color: #ffffff;
  font-size: 1.5rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 8px rgba(15, 118, 110, 0.25);
}

.borrow-step-text h3 {
  font-size: 1.2rem;
  color: var(--text-main);
  margin-bottom: 0.25rem;
  font-weight: 700;
}

.borrow-step-text p {
  font-size: 0.95rem;
  color: var(--text-secondary);
  margin: 0;
}

/* ==================== CUSTOMER REVIEWS CAROUSEL ==================== */
.customer-reviews-section {
  padding: 5rem 0;
  background-color: var(--bg-secondary);
  border-bottom: 1px solid var(--border-color);
}

.carousel-container {
  max-width: 650px;
  margin: 0 auto;
  position: relative;
  padding: 0 1rem;
}

.carousel-track-wrapper {
  overflow: hidden;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  background: #ffffff;
  border: 1px solid var(--border-color);
}

.carousel-track {
  display: flex;
  width: 100%;
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.review-slide {
  flex: 0 0 100%;
  width: 100%;
  box-sizing: border-box;
}

.review-card-layout {
  padding: 3rem 2.5rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 250px;
  background: #ffffff;
}

.reviewer-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.reviewer-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: #ffffff;
  font-weight: 700;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 8px rgba(6, 78, 59, 0.15);
}

.reviewer-info h3 {
  font-size: 1.1rem;
  color: var(--text-main);
  margin: 0;
  font-weight: 700;
}

.review-content-box {
  margin-bottom: 1.5rem;
}

.review-content-box p {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--text-secondary);
  font-style: italic;
  margin: 0;
}

.review-date {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-weight: 500;
}

.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-top: 1.75rem;
}

.dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background-color: #cbd5e1;
  cursor: pointer;
  transition: all 0.3s ease;
}

.dot.active {
  background-color: var(--primary);
  transform: scale(1.3);
  box-shadow: 0 2px 4px rgba(15, 118, 110, 0.3);
}

/* Carousel Left/Right Floating Navigation Buttons */
.carousel-nav-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: #ffffff;
  border: 1px solid var(--border-color);
  color: var(--primary);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  transition: all 0.3s ease;
  z-index: 10;
}

.carousel-nav-btn:hover {
  background-color: var(--primary);
  color: #ffffff;
  border-color: var(--primary);
  box-shadow: var(--shadow-lg);
  transform: translateY(-50%) scale(1.05);
}

.carousel-nav-btn:active {
  transform: translateY(-50%) scale(0.95);
}

.carousel-nav-btn svg {
  width: 20px;
  height: 20px;
}

.carousel-nav-btn.prev-btn {
  left: -22px;
}

.carousel-nav-btn.next-btn {
  right: -22px;
}

/* Adjust navigation buttons position on smaller screens to prevent overflow */
@media (max-width: 768px) {
  .carousel-nav-btn {
    width: 38px;
    height: 38px;
    box-shadow: var(--shadow-sm);
  }
  
  .carousel-nav-btn.prev-btn {
    left: 2px;
  }
  
  .carousel-nav-btn.next-btn {
    right: 2px;
  }
}

/* ==================== OUR ADVANTAGES ==================== */
.our-advantages-section {
  padding: 5rem 0;
  background-color: #ffffff;
  border-bottom: 1px solid var(--border-color);
}

.advantages-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 1rem;
  align-items: stretch; /* Keep cards equal height */
}

.advantage-card-premium {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 2.5rem 2rem;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.advantage-card-premium:hover {
  transform: translateY(-5px);
  border-color: rgba(15, 118, 110, 0.25);
  box-shadow: 0 20px 25px -5px rgba(6, 78, 59, 0.08), 0 8px 10px -6px rgba(6, 78, 59, 0.08);
}

.advantage-card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.advantage-icon {
  font-size: 1.6rem;
  background-color: var(--accent-light);
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 10px rgba(16, 185, 129, 0.1);
}

.advantage-card-header h3 {
  font-size: 1.4rem;
  color: var(--primary-dark);
  font-weight: 700;
  margin: 0;
}

.advantage-sub {
  font-size: 0.95rem;
  color: var(--text-secondary);
  font-weight: 600;
  line-height: 1.4;
  margin-bottom: 1.5rem;
  min-height: 2.8rem; /* Align subheaders visually */
}

.advantage-bullets {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  flex-grow: 1; /* Push list to align across cards */
}

.advantage-bullets li {
  font-size: 0.9rem;
  color: var(--text-secondary);
  position: relative;
  padding-left: 1.5rem;
  line-height: 1.4;
}

.advantage-bullets li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  color: #10b981;
  font-weight: bold;
  font-size: 1rem;
}

/* Responsive grid for advantages */
@media (max-width: 1024px) {
  .advantages-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }
}

@media (max-width: 768px) {
  .advantages-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  
  .advantage-card-premium {
    padding: 2rem 1.5rem;
  }
  
  .advantage-sub {
    min-height: auto;
  }
}

/* ==================== BORROW LOAN ONLINE & DETAILS ==================== */
.borrow-online-details-section {
  padding: 5rem 0;
  background-color: var(--bg-main);
  border-bottom: 1px solid var(--border-color);
}

.rates-text-block {
  max-width: 800px;
  margin: 0 auto 3rem;
  background: #ffffff;
  padding: 3rem 2.5rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
}

.rates-text-block h3 {
  color: var(--primary-dark);
  font-size: 1.35rem;
  font-weight: 700;
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.rates-text-block h3:first-of-type {
  margin-top: 0;
}

.rates-text-block p {
  font-size: 0.98rem;
  line-height: 1.6;
  color: var(--text-secondary);
  margin-bottom: 1.25rem;
}

.web-promo-link {
  margin-top: 2rem;
  font-weight: 700;
  font-size: 1.05rem;
}

.web-promo-link a {
  color: var(--primary) !important;
  text-decoration: underline;
}

.web-promo-link a:hover {
  color: var(--primary-dark) !important;
}

.rates-table-disclosure {
  margin-top: 3rem;
  border-top: 2px solid var(--border-color);
  padding-top: 2rem;
}

.rates-table-disclosure h3 {
  color: var(--text-main);
  font-size: 1.2rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  margin-bottom: 1.25rem;
}

.rates-table-disclosure ul {
  list-style: none;
  padding: 0;
  margin: 0 0 2rem 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem 2rem;
}

.rates-table-disclosure li {
  font-size: 0.92rem;
  color: var(--text-secondary);
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--border-color);
}

.rates-table-disclosure li strong {
  color: var(--text-main);
}

.representative-examples {
  background: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  padding: 1.5rem;
  margin-top: 1.5rem;
}

.representative-examples p {
  font-size: 0.88rem;
  line-height: 1.5;
  color: var(--text-muted);
  margin: 0;
}

.representative-examples p strong {
  color: var(--text-main);
}

.address-details-box {
  max-width: 800px;
  margin: 0 auto;
  padding: 1.5rem;
  background: rgba(6, 78, 59, 0.03);
  border: 1px dashed rgba(6, 78, 59, 0.15);
  border-radius: var(--radius-sm);
}

.address-text {
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--text-secondary);
  font-weight: 500;
  margin: 0;
}

/* ==================== HIGH-FIDELITY SOLID BLUE FOOTER ==================== */
.main-footer {
  background-color: var(--trust-blue) !important;
  color: #ffffff !important;
  padding: 5rem 0 2rem;
  border-top: none;
  font-size: 0.92rem;
}

.main-footer .brand-logo {
  color: #ffffff !important;
  margin-bottom: 1.5rem;
  font-size: 1.8rem;
  font-weight: 800;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.main-footer .accent-text {
  color: var(--gold-accent) !important;
}

.footer-about-text {
  font-size: 0.88rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 1.5rem;
}

.footer-contact-details {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 1.5rem;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.footer-contact-item svg {
  width: 20px;
  height: 20px;
  color: var(--gold-accent);
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
}

.footer-contact-item span {
  font-size: 0.9rem;
  font-weight: 500;
}

.footer-links-group h4 {
  color: #ffffff;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  position: relative;
  padding-bottom: 0.5rem;
}

.footer-links-group h4::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 40px;
  height: 2px;
  background-color: var(--gold-accent);
}

.footer-links-group ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.footer-links-group a,
.footer-links-group .footer-link-btn {
  color: rgba(255, 255, 255, 0.85) !important;
  font-size: 0.9rem;
  transition: all 0.2s ease;
  text-align: left;
}

.footer-links-group a:hover,
.footer-links-group .footer-link-btn:hover {
  color: var(--gold-accent) !important;
  transform: translateX(3px);
}

.social-links-grid {
  display: flex;
  gap: 1rem;
  margin-top: 1.5rem;
}

.social-link-icon-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s ease;
  color: #ffffff;
}

.social-link-icon-btn:hover {
  background: var(--gold-accent);
  color: var(--trust-blue);
  transform: translateY(-3px);
}

.social-link-icon-btn svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.15) !important;
  padding-top: 2.5rem;
  margin-top: 3.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.footer-disclaimer-text {
  font-size: 0.8rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.7) !important;
  text-align: justify;
}

.footer-copyright {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.8);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.5rem;
}

.cbk-license-badge {
  font-weight: 700;
  color: var(--gold-accent);
  background: rgba(255, 255, 255, 0.1);
  padding: 0.4rem 0.8rem;
  border-radius: var(--radius-xs);
  border: 1px solid rgba(255, 255, 255, 0.15);
}

/* ==========================================================================
   RESPONSIVE DESIGN (MEDIA QUERIES)
   ========================================================================== */

/* Tablet Viewports & Under (< 1024px) */
@media (max-width: 1024px) {
  .hero-container {
    gap: 2.5rem;
  }
  
  .hero-title {
    font-size: 2.75rem;
  }
  
  .rates-wrapper {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  
  .footer-container {
    grid-template-columns: 1.2fr 1fr 1fr;
    gap: 2rem;
  }
  
  .footer-brand-section {
    grid-column: 1 / span 3;
    max-width: 100%;
    margin-bottom: 1rem;
  }
}

/* Mobile Viewports (< 768px) */
@media (max-width: 768px) {
  :root {
    --header-height: 70px;
  }

  h1 {
    font-size: 2.25rem;
  }

  h2 {
    font-size: 1.65rem;
  }

  .section-header {
    margin-bottom: 2.5rem;
  }

  /* Hamburger Menu implementation */
  .mobile-menu-toggle {
    display: flex;
  }

  .navbar {
    position: fixed;
    top: var(--header-height);
    left: 0;
    width: 100%;
    height: 0;
    background-color: var(--card-bg);
    flex-direction: column;
    gap: 2rem;
    padding: 0 1.5rem;
    overflow: hidden;
    transition: height 0.3s cubic-bezier(0.16, 1, 0.3, 1), padding 0.3s ease;
    border-bottom: 0 solid var(--border-color);
    box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.05);
    z-index: 100;
  }

  .navbar.active {
    height: calc(100vh - var(--header-height));
    padding: 3rem 1.5rem;
    border-bottom: 1px solid var(--border-color);
  }

  .nav-links {
    flex-direction: column;
    align-items: center;
    gap: 1.5rem;
    width: 100%;
  }

  .nav-link-item {
    font-size: 1.15rem;
  }

  .nav-cta {
    width: 100%;
    max-width: 300px;
  }

  .nav-cta .btn {
    width: 100%;
  }

  /* Animated Hamburger Icon States */
  .mobile-menu-toggle.active .hamburger-bar:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
  }

  .mobile-menu-toggle.active .hamburger-bar:nth-child(2) {
    opacity: 0;
  }

  .mobile-menu-toggle.active .hamburger-bar:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
  }

  /* Hero Section Mobile styling */
  .hero-section {
    padding-top: 3rem;
    padding-bottom: 3.5rem;
  }

  .hero-container {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .hero-left-col {
    align-items: center;
    text-align: center;
    gap: 1.5rem;
    display: flex;
    flex-direction: column;
  }

  .hero-content {
    max-width: 100%;
  }

  .hero-title {
    font-size: 2.3rem;
    margin-bottom: 0.5rem;
  }

  .hero-subtitle {
    font-size: 1.25rem;
    margin-bottom: 0;
  }

  .widget-card {
    padding: 1.75rem 1.25rem;
  }

  .hero-illustration {
    max-width: 100%;
    margin-top: 1rem;
  }

  .trust-container {
    justify-content: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem 1rem;
  }

  .trust-item {
    font-size: 0.85rem;
  }

  /* Options and cards styling adjustments */
  .options-grid {
    grid-template-columns: 1fr;
  }

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

  .rates-stats {
    grid-template-columns: 1fr;
  }

  .form-card {
    padding: 2rem 1.5rem;
  }

  .category-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .progress-tracker {
    margin-bottom: 2.5rem;
  }

  .progress-bar-bg {
    left: 20px;
    right: 20px;
  }

  .step-label {
    font-size: 0.7rem;
  }

  /* Footer Mobile */
  .footer-container {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer-brand-section {
    grid-column: auto;
  }

  .footer-copyright {
    flex-direction: column;
    gap: 0.75rem;
    text-align: center;
  }
}

/* Small Screens (< 480px) */
@media (max-width: 480px) {
  .category-cards-grid {
    grid-template-columns: 1fr;
  }

  .period-tabs {
    grid-template-columns: repeat(2, 1fr);
    gap: 4px;
  }
  
  .period-select-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}