/* ============================================================
   FundsApprovalCenter - Main Stylesheet
   Theme: Premium Financial Trust - Navy & Gold
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;900&family=DM+Sans:wght@300;400;500;600;700&display=swap');

:root {
  --navy:        #0A1628;
  --navy-mid:    #112240;
  --navy-light:  #1B3A6B;
  --gold:        #C9A84C;
  --gold-light:  #E8C97A;
  --gold-pale:   #FDF6E3;
  --sky:         #3B82F6;
  --sky-light:   #EFF6FF;
  --success:     #10B981;
  --danger:      #EF4444;
  --white:       #FFFFFF;
  --gray-50:     #F9FAFB;
  --gray-100:    #F3F4F6;
  --gray-300:    #D1D5DB;
  --gray-500:    #6B7280;
  --gray-700:    #374151;
  --gray-900:    #111827;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', sans-serif;
  --shadow-sm:   0 2px 8px rgba(10,22,40,.08);
  --shadow-md:   0 8px 30px rgba(10,22,40,.12);
  --shadow-lg:   0 20px 60px rgba(10,22,40,.18);
  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;
  --transition:  .25s cubic-bezier(.4,0,.2,1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

/* ---- SCROLLBAR ---- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy); }
::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 3px; }

/* ---- TYPOGRAPHY ---- */
h1,h2,h3,h4,h5 { font-family: var(--font-display); line-height: 1.2; }
h1 { font-size: clamp(2.2rem,5vw,3.8rem); font-weight: 900; }
h2 { font-size: clamp(1.8rem,3.5vw,2.8rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem,2vw,1.6rem); font-weight: 600; }
p  { font-size: 1rem; color: var(--gray-700); }
a  { color: var(--sky); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }

/* ---- UTILITIES ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 90px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }
.bg-navy { background: var(--navy); }
.bg-navy-mid { background: var(--navy-mid); }
.bg-gold-pale { background: var(--gold-pale); }
.bg-gray { background: var(--gray-50); }

.badge {
  display: inline-block;
  padding: 4px 14px;
  border-radius: 999px;
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  background: rgba(201,168,76,.15);
  color: var(--gold);
  border: 1px solid rgba(201,168,76,.3);
  margin-bottom: 14px;
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, #B8860B 100%);
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(201,168,76,.4);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(201,168,76,.5);
  color: var(--navy);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.4);
}
.btn-outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--gold);
  color: var(--gold);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
  color: var(--white);
}
.btn-lg { padding: 18px 44px; font-size: 1.1rem; }
.btn-sm { padding: 9px 20px; font-size: .9rem; }
.btn-full { width: 100%; justify-content: center; }

/* ============================================================
   NAVBAR
   ============================================================ */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  background: transparent;
  transition: background var(--transition), box-shadow var(--transition), padding var(--transition);
}
#navbar.scrolled {
  background: var(--navy);
  box-shadow: 0 4px 30px rgba(0,0,0,.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}
/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--gold) 0%, #8B6914 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--navy);
  font-family: var(--font-display);
  letter-spacing: -1px;
  box-shadow: 0 4px 15px rgba(201,168,76,.4);
}
.logo-text { display: flex; flex-direction: column; }
.logo-name {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}
.logo-tag {
  font-size: .68rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
}

/* Nav Links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-links a {
  display: block;
  padding: 8px 14px;
  font-size: .9rem;
  font-weight: 500;
  color: rgba(255,255,255,.85);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
  background: rgba(201,168,76,.1);
}
.nav-cta { margin-left: 12px; }

/* Mobile toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

.sp-step.sp-active {
    background: var(--sky-light) !important;
    border-color: var(--navy-light) !important;
  }
  .sp-step.sp-active .sp-icon { animation: sp-spin .7s linear infinite; display:inline-block; }
  .sp-step.sp-done {
    background: #ECFDF5 !important;
    border-color: #A7F3D0 !important;
  }
  .sp-step.sp-done span:last-child { color: #065F46 !important; }
  @keyframes sp-spin { to { transform: rotate(360deg); } }
  .sp-proof-active {
    opacity: 1 !important;
    transform: translateY(0) !important;
  }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #0E2647 100%);
  display: flex;
  align-items: center;
  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='%23C9A84C' fill-opacity='0.04'%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::after {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(201,168,76,.12) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 2;
  padding: 120px 0 80px;
}
.hero-content {}
.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}
.eyebrow-dot {
  width: 8px; height: 8px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,100% { box-shadow: 0 0 0 0 rgba(201,168,76,.4); }
  50%      { box-shadow: 0 0 0 8px rgba(201,168,76,0); }
}
.eyebrow-text {
  font-size: .85rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold); }
.hero p {
  color: rgba(255,255,255,.75);
  font-size: 1.1rem;
  max-width: 480px;
  margin-bottom: 36px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 44px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.trust-item {
  text-align: center;
}
.trust-number {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--gold);
  display: block;
}
.trust-label {
  font-size: .75rem;
  color: rgba(255,255,255,.6);
  text-transform: uppercase;
  letter-spacing: .06em;
}
.trust-div {
  width: 1px; height: 40px;
  background: rgba(255,255,255,.15);
}

/* Quick Apply Card */
.quick-apply-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.quick-apply-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--sky) 100%);
}
.qac-title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}
.qac-sub {
  font-size: .9rem;
  color: var(--gray-500);
  margin-bottom: 24px;
}
.qac-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.qac-field { display: flex; flex-direction: column; gap: 6px; }
.qac-field label {
  font-size: .8rem;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .05em;
}
.qac-field input,
.qac-field select {
  padding: 12px 14px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: .95rem;
  color: var(--gray-900);
  transition: border-color var(--transition), box-shadow var(--transition);
  background: var(--white);
  appearance: none;
  -webkit-appearance: none;
}
.qac-field input:focus,
.qac-field select:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(27,58,107,.12);
}
.qac-secure {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .78rem;
  color: var(--gray-500);
  margin-top: 12px;
  justify-content: center;
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 30px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--sky) 100%);
  opacity: .3;
}
.step-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  text-align: center;
  border: 1.5px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  position: relative;
}
.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.step-num {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold);
  box-shadow: 0 8px 20px rgba(10,22,40,.25);
}
.step-card h3 { color: var(--navy); margin-bottom: 10px; }
.step-card p { font-size: .9rem; }

/* ============================================================
   LOAN FEATURES / BENEFITS
   ============================================================ */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 28px;
}
.feature-card {
  padding: 36px 28px;
  border-radius: var(--radius-md);
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.feature-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(201,168,76,.15) 0%, rgba(59,130,246,.1) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 18px;
}
.feature-card h3 { color: var(--navy); margin-bottom: 10px; font-size: 1.1rem; }
.feature-card p  { font-size: .9rem; line-height: 1.7; }

/* ============================================================
   RATES & FEES PAGE
   ============================================================ */
.rate-table-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.rate-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .95rem;
}
.rate-table thead {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
}
.rate-table th {
  padding: 16px 24px;
  text-align: left;
  font-weight: 600;
  letter-spacing: .03em;
}
.rate-table td {
  padding: 14px 24px;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
}
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--gray-50); }
.rate-table tr:hover td { background: var(--sky-light); }
.rate-highlight {
  color: var(--success);
  font-weight: 600;
}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.faq-item.open {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
}
.faq-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: var(--white);
  cursor: pointer;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  border: none;
  text-align: left;
  font-family: var(--font-body);
  transition: background var(--transition);
}
.faq-q:hover { background: var(--gray-50); }
.faq-chevron {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .75rem;
  flex-shrink: 0;
  transition: transform var(--transition), background var(--transition);
}
.faq-item.open .faq-chevron {
  transform: rotate(180deg);
  background: var(--gold);
  color: var(--navy);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding var(--transition);
}
.faq-a-inner {
  padding: 0 24px 20px;
  color: var(--gray-700);
  font-size: .95rem;
  line-height: 1.7;
}
.faq-item.open .faq-a { max-height: 500px; }

/* ============================================================
   LOAN APPLICATION FORM (Full Page)
   ============================================================ */
.apply-page {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-mid) 200px, var(--gray-50) 200px);
  min-height: 100vh;
  padding-top: 100px;
  padding-bottom: 80px;
}
.apply-header {
  text-align: center;
  padding: 60px 0 80px;
}
.apply-header h1 { color: var(--white); }
.apply-header p  { color: rgba(255,255,255,.75); max-width: 540px; margin: 14px auto 0; font-size: 1.05rem; }

.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
  margin-top: -40px;
}
.form-progress {
  background: var(--navy);
  padding: 20px 36px;
  display: flex;
  align-items: center;
  gap: 0;
}
.prog-step {
  display: flex;
  align-items: center;
  flex: 1;
}
.prog-circle {
  width: 34px; height: 34px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .85rem;
  font-weight: 700;
  background: rgba(255,255,255,.15);
  color: rgba(255,255,255,.5);
  border: 2px solid rgba(255,255,255,.2);
  transition: all var(--transition);
  flex-shrink: 0;
}
.prog-step.active .prog-circle,
.prog-step.done .prog-circle {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.prog-label {
  font-size: .75rem;
  color: rgba(255,255,255,.5);
  margin-left: 8px;
  font-weight: 500;
  white-space: nowrap;
}
.prog-step.active .prog-label,
.prog-step.done .prog-label {
  color: var(--gold);
}
.prog-line {
  flex: 1;
  height: 2px;
  background: rgba(255,255,255,.15);
  margin: 0 8px;
}
.prog-step.done ~ .prog-step .prog-line,
.prog-step.done .prog-line { background: rgba(201,168,76,.5); }

.form-body { padding: 44px 44px; }
.form-section { display: none; }
.form-section.active { display: block; }
.section-title {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.section-sub {
  color: var(--gray-500);
  font-size: .9rem;
  margin-bottom: 32px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}
.form-row.three-col { grid-template-columns: 1fr 1fr 1fr; }
.form-row.single    { grid-template-columns: 1fr; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label {
  font-size: .82rem;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .05em;
}
.form-group label .req { color: var(--danger); margin-left: 2px; }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 13px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: .95rem;
  color: var(--gray-900);
  transition: border-color var(--transition), box-shadow var(--transition);
  background: var(--white);
  appearance: none;
  -webkit-appearance: none;
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 40px;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(27,58,107,.1);
}
.form-group input.error,
.form-group select.error { border-color: var(--danger); }
.form-group .field-error {
  font-size: .8rem;
  color: var(--danger);
  display: none;
  margin-top: 2px;
}
.form-group input.error + .field-error,
.form-group select.error + .field-error { display: block; }
.form-group input.valid { border-color: var(--success); }

.form-divider {
  display: flex;
  align-items: center;
  gap: 14px;
  margin: 28px 0;
  color: var(--gray-500);
  font-size: .85rem;
}
.form-divider::before,
.form-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--gray-200);
}

.radio-group { display: flex; gap: 14px; }
.radio-opt {
  flex: 1;
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  font-size: .9rem;
  color: var(--gray-700);
}
.radio-opt:hover { border-color: var(--navy-light); }
.radio-opt input[type="radio"] { accent-color: var(--navy); }
.radio-opt.selected {
  border-color: var(--navy);
  background: var(--sky-light);
  color: var(--navy);
  font-weight: 600;
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
}
.checkbox-row input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--navy);
  flex-shrink: 0;
  margin-top: 2px;
  border: none;
  padding: 0;
}
.checkbox-row label {
  font-size: .85rem;
  color: var(--gray-700);
  font-weight: 400;
  text-transform: none;
  letter-spacing: 0;
  cursor: pointer;
  line-height: 1.5;
}
.checkbox-row a { color: var(--sky); }

.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-100);
}

/* Success State */
.form-success {
  text-align: center;
  padding: 60px 40px;
  display: none;
}
.success-icon {
  width: 80px; height: 80px;
  background: linear-gradient(135deg, var(--success) 0%, #059669 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 24px;
  animation: popIn .5s cubic-bezier(.34,1.56,.64,1);
}
@keyframes popIn {
  0%   { transform: scale(0); opacity: 0; }
  100% { transform: scale(1); opacity: 1; }
}
.form-success h2 { color: var(--navy); margin-bottom: 12px; }
.form-success p  { color: var(--gray-600); max-width: 440px; margin: 0 auto 28px; }

/* API status */
.api-status {
  padding: 12px 18px;
  border-radius: var(--radius-sm);
  font-size: .9rem;
  font-weight: 500;
  margin-bottom: 20px;
  display: none;
}
.api-status.show  { display: block; }
.api-status.info  { background: #EFF6FF; color: #1E40AF; border: 1px solid #BFDBFE; }
.api-status.ok    { background: #ECFDF5; color: #065F46; border: 1px solid #A7F3D0; }
.api-status.fail  { background: #FEF2F2; color: #991B1B; border: 1px solid #FECACA; }
.api-status.price { background: #FFFBEB; color: #92400E; border: 1px solid #FDE68A; }

/* ============================================================
   CONTACT SECTION
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 50px;
  align-items: start;
}
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 28px;
}
.contact-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-label {
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 2px;
}
.contact-value { color: var(--gray-700); }

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 44px;
  box-shadow: var(--shadow-md);
  border: 1.5px solid var(--gray-100);
}

/* ============================================================
   TRUST BADGES SECTION
   ============================================================ */
.badges-bar {
  background: var(--navy-mid);
  padding: 24px 0;
  border-top: 1px solid rgba(201,168,76,.2);
  border-bottom: 1px solid rgba(201,168,76,.2);
}
.badges-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,.7);
  font-size: .85rem;
  font-weight: 500;
}
.trust-badge svg,
.trust-badge .badge-icon {
  color: var(--gold);
  font-size: 1.4rem;
}

/* OLA badge */
.ola-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,.1);
  border: 1px solid rgba(201,168,76,.25);
  border-radius: var(--radius-sm);
  padding: 6px 16px;
  color: var(--gold);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .05em;
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,.7);
  padding: 70px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 50px;
  margin-bottom: 50px;
}
.footer-brand p {
  color: rgba(255,255,255,.6);
  font-size: .9rem;
  line-height: 1.7;
  margin: 16px 0 24px;
  max-width: 280px;
}
.footer-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px;
}
.footer-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-sm);
  font-size: .72rem;
  color: rgba(255,255,255,.6);
}
.footer-col-title {
  font-family: var(--font-body);
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--gold);
  margin-bottom: 18px;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  color: rgba(255,255,255,.6);
  font-size: .9rem;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 24px 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
}
.footer-legal {
  font-size: .8rem;
  color: rgba(255,255,255,.4);
}
.footer-legal a { color: rgba(255,255,255,.5); margin: 0 8px; }
.footer-legal a:hover { color: var(--gold); }

/* OLA footer badge */
.ola-footer {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(201,168,76,.08);
  border: 1px solid rgba(201,168,76,.2);
  border-radius: var(--radius-md);
  padding: 12px 18px;
}
.ola-logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--gold);
  letter-spacing: .05em;
}
.ola-sub {
  font-size: .7rem;
  color: rgba(255,255,255,.5);
  display: block;
  line-height: 1;
  margin-top: 2px;
}

/* ============================================================
   INLINE PAGE SECTIONS (shown/hidden per nav)
   ============================================================ */
.page-section { display: none; }
.page-section.active { display: block; }

/* Advertising page */
.adv-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; margin-top: 40px; }
.adv-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  border: 1.5px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  text-align: center;
}
.adv-card .adv-icon {
  font-size: 2.2rem;
  margin-bottom: 14px;
  display: block;
}
.adv-card h3 { color: var(--navy); margin-bottom: 10px; }

/* Closure page */
.closure-content {
  max-width: 780px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 50px;
  box-shadow: var(--shadow-md);
}
.closure-content h3 { color: var(--navy); margin: 24px 0 10px; }
.closure-content p  { margin-bottom: 12px; line-height: 1.8; }

/* Page hero (inner pages) */
.inner-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 130px 0 70px;
  text-align: center;
}
.inner-hero h1  { color: var(--white); }
.inner-hero p   { color: rgba(255,255,255,.7); max-width: 540px; margin: 12px auto 0; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.testi-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--gray-100);
  transition: transform var(--transition), box-shadow var(--transition);
}
.testi-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.testi-stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testi-text { font-size: .95rem; color: var(--gray-700); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testi-author { font-weight: 600; color: var(--navy); font-size: .9rem; }
.testi-loc    { font-size: .8rem; color: var(--gray-500); }

/* ============================================================
   SECTION HEADERS
   ============================================================ */
.section-header { text-align: center; margin-bottom: 56px; }
.section-header h2 { color: var(--navy); margin-bottom: 14px; }
.section-header p  { max-width: 560px; margin: 0 auto; font-size: 1.05rem; }
.section-header .divider {
  width: 60px; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--sky));
  border-radius: 2px;
  margin: 16px auto 0;
}

/* ============================================================
   LOADING SPINNER
   ============================================================ */
.spinner {
  display: inline-block;
  width: 18px; height: 18px;
  border: 2px solid rgba(10,22,40,.2);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin .7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; padding: 120px 0 60px; }
  .quick-apply-card { max-width: 560px; }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid::before { display: none; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .adv-cards { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  /* ── Nav ── */
  .nav-links, .nav-cta { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: fixed; top: 80px; left: 0; right: 0; background: var(--navy); padding: 20px; gap: 4px; box-shadow: 0 20px 40px rgba(0,0,0,.3); z-index: 999; }
  .nav-links.open .nav-cta { display: block; margin-left: 0; margin-top: 10px; }
  .nav-toggle { display: flex; }

  /* ── Hero ── */
  .hero-grid { padding: 100px 0 50px; }
  .hero h1 { font-size: 2rem; }
  .hero p { font-size: .95rem; }
  .hero-trust { flex-wrap: wrap; gap: 12px; justify-content: center; }
  .trust-div { display: none; }
  .trust-number { font-size: 1.3rem; }
  .hero-actions { flex-direction: column; gap: 10px; }
  .hero-actions .btn { width: 100%; justify-content: center; }

  /* ── Quick Apply Card ── */
  .quick-apply-card { padding: 24px 18px; }
  .qac-row { grid-template-columns: 1fr; gap: 12px; }

  /* ── Buttons ── */
  .btn { padding: 12px 20px; font-size: .9rem; white-space: normal; text-align: center; }
  .btn-lg { padding: 14px 22px; font-size: .95rem; }

  /* ── Grids ── */
  .features-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .adv-cards { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }

  /* ── Form ── */
  .form-card { border-radius: var(--radius-md); margin-top: -20px; }
  .form-row { grid-template-columns: 1fr; gap: 14px; }
  .form-row.three-col { grid-template-columns: 1fr; }
  .form-body { padding: 22px 16px; }
  .form-progress { padding: 14px 16px; gap: 0; overflow-x: auto; }
  .prog-circle { width: 28px; height: 28px; font-size: .75rem; flex-shrink: 0; }
  .prog-label { display: none; }
  .prog-line { min-width: 16px; }
  .form-nav { flex-wrap: wrap; gap: 10px; }
  .form-nav .btn { flex: 1; min-width: 120px; justify-content: center; }
  #next-btn { order: 2; }
  #back-btn { order: 1; }
  .section-title { font-size: 1.3rem; }

  /* ── Footer ── */
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom-inner { flex-direction: column; text-align: center; gap: 10px; }
  .footer-legal a { display: inline-block; margin: 4px 6px; }

  /* ── Misc ── */
  .closure-content { padding: 24px 16px; }
  .badges-inner { gap: 14px; justify-content: center; }
  .contact-form-card { padding: 24px 16px; }
  .inner-hero { padding: 110px 0 50px; }
  .inner-hero h1 { font-size: 1.8rem; }
  .legal-toc-list { columns: 1; }
  .rate-table th, .rate-table td { padding: 10px 12px; font-size: .82rem; }
}

/* Extra small phones */
@media (max-width: 400px) {
  .hero h1 { font-size: 1.75rem; }
  .btn-lg { padding: 13px 16px; font-size: .88rem; }
  .form-body { padding: 18px 12px; }
  .prog-circle { width: 24px; height: 24px; font-size: .7rem; }
  .trust-number { font-size: 1.1rem; }
  .quick-apply-card { padding: 18px 14px; }
  .loan-slider-labels { font-size: .68rem; }
}

/* ============================================================
   LEGAL PAGES (Privacy Policy & Terms & Conditions)
   ============================================================ */
.legal-doc {
  max-width: 860px;
  margin: 0 auto;
}

/* Table of Contents */
.legal-toc {
  background: var(--navy);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin-bottom: 44px;
}
.legal-toc-title {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 16px;
}
.legal-toc-list {
  columns: 2;
  column-gap: 32px;
  padding-left: 20px;
  margin: 0;
}
.legal-toc-list li {
  margin-bottom: 8px;
  break-inside: avoid;
}
.legal-toc-list a {
  color: rgba(255,255,255,.75);
  font-size: .88rem;
  transition: color var(--transition);
}
.legal-toc-list a:hover { color: var(--gold); }

/* Alert box */
.legal-alert {
  background: var(--sky-light);
  border-left: 4px solid var(--sky);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 16px 20px;
  font-size: .92rem;
  color: #1E40AF;
  line-height: 1.65;
  margin-bottom: 40px;
}

/* Headings */
.legal-h2 {
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--navy);
  margin: 44px 0 14px;
  padding-top: 44px;
  border-top: 1px solid var(--gray-100);
  scroll-margin-top: 100px;
}
.legal-doc > .legal-h2:first-of-type {
  border-top: none;
  margin-top: 0;
  padding-top: 0;
}
.legal-h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy-light);
  margin: 24px 0 10px;
  scroll-margin-top: 100px;
}

/* Body text */
.legal-doc p {
  margin-bottom: 16px;
  line-height: 1.8;
  font-size: .95rem;
  color: var(--gray-700);
}

/* Lists */
.legal-list {
  padding-left: 22px;
  margin-bottom: 18px;
}
.legal-list li {
  margin-bottom: 10px;
  font-size: .93rem;
  color: var(--gray-700);
  line-height: 1.7;
}
.legal-list strong { color: var(--gray-900); }

/* Contact box */
.legal-contact-box {
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 22px 26px;
  font-size: .92rem;
  color: var(--gray-700);
  line-height: 1.9;
  margin-top: 12px;
}

/* Inline code */
.legal-doc code {
  background: var(--gray-100);
  padding: 2px 6px;
  border-radius: 3px;
  font-size: .85rem;
  color: var(--navy);
}

/* Responsive */
@media (max-width: 768px) {
  .legal-toc-list { columns: 1; }
  .legal-toc { padding: 22px 18px; }
  .legal-h2 { font-size: 1.25rem; margin-top: 32px; padding-top: 32px; }
}

/* ============================================================
   LOAN AMOUNT SLIDER
   ============================================================ */
.loan-slider-wrap {
  position: relative;
  padding-bottom: 24px;
  margin-top: 6px;
}
.loan-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: transparent;
  outline: none;
  position: relative;
  z-index: 2;
  cursor: pointer;
  margin: 0;
  padding: 0;
}
.loan-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, #B8860B 100%);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 2px 10px rgba(201,168,76,.5);
  transition: transform .15s ease, box-shadow .15s ease;
  margin-top: -10px;
}
.loan-slider::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, #B8860B 100%);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 2px 10px rgba(201,168,76,.5);
}
.loan-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 4px 16px rgba(201,168,76,.6);
}
.loan-slider::-webkit-slider-runnable-track {
  height: 6px;
  background: transparent;
}
.loan-slider::-moz-range-track {
  height: 6px;
  background: var(--gray-200);
  border-radius: 3px;
}
.loan-slider-track {
  position: absolute;
  top: 10px;
  left: 0;
  right: 0;
  height: 6px;
  background: var(--gray-200);
  border-radius: 3px;
  z-index: 1;
  pointer-events: none;
}
.loan-slider-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 100%);
  border-radius: 3px;
  width: 9.8%; /* default $5000 / $50000 */
  transition: width .1s ease;
}
.loan-slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: .75rem;
  color: var(--gray-500);
  margin-top: 8px;
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
}
/* Dark background variant (hero card) */
.quick-apply-card .loan-slider-track { background: var(--gray-200); }
.quick-apply-card .loan-slider::-webkit-slider-thumb { border-color: var(--white); }