/* ==========================================================================
   USA LENDING - MODERN FINTECH DESIGN SYSTEM (RESPONSIVE & FLUID)
   Curated Palette: Deep Slate Navy (#0B1A30), Electric Emerald (#00C48C), 
   Champagne Gold (#F59E0B), Soft Slates (#F8FAFC, #FFFFFF)
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

:root {
  /* Brand Colors */
  --primary: #0B1A30;
  --primary-dark: #071020;
  --primary-light: #162A45;
  --primary-glow: rgba(11, 26, 48, 0.08);

  --accent: #00C48C;
  --accent-hover: #00A876;
  --accent-light: #E6FBF5;
  --accent-glow: rgba(0, 196, 140, 0.25);

  --highlight: #F59E0B;
  --highlight-light: #FEF3C7;
  
  --danger: #EF4444;
  --danger-light: #FEE2E2;

  /* Neutrals & Surfaces */
  --bg: #F8FAFC;
  --surface: #FFFFFF;
  --surface-raised: #FFFFFF;
  --surface-muted: #F1F5F9;
  --border: #E2E8F0;
  --border-focus: #00C48C;

  /* Typography */
  --text-main: #1E293B;
  --text-muted: #64748B;
  --text-light: #94A3B8;
  --text-white: #FFFFFF;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 12px -2px rgba(11, 26, 48, 0.08), 0 2px 6px -2px rgba(11, 26, 48, 0.04);
  --shadow-lg: 0 12px 24px -4px rgba(11, 26, 48, 0.12), 0 4px 8px -2px rgba(11, 26, 48, 0.06);
  --shadow-xl: 0 24px 48px -12px rgba(11, 26, 48, 0.18);
  --shadow-accent: 0 8px 24px -4px rgba(0, 196, 140, 0.35);

  /* Geometry & Transitions */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 22px;
  --radius-full: 9999px;
  --transition-fast: 0.15s ease;
  --transition-normal: 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-slow: 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  color: var(--text-main);
  background-color: var(--bg);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  position: relative;
  width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

button, input, select, textarea {
  font: inherit;
  color: inherit;
}

/* Anti-Spam Honeypot Hidden Style */
.hp-field {
  display: none !important;
  visibility: hidden !important;
  position: absolute !important;
  left: -9999px !important;
  opacity: 0 !important;
  width: 0 !important;
  height: 0 !important;
  z-index: -1 !important;
}

/* Container */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 clamp(16px, 3vw, 24px);
}

/* ==========================================================================
   HEADER & NAVIGATION
   ========================================================================== */

/* Top Security & Support Bar */
.top-bar {
  background-color: var(--primary-dark);
  color: var(--text-light);
  font-size: 0.8125rem;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px 16px;
}

.top-bar-features {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.badge-ssl {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--accent);
  font-weight: 600;
}

.top-bar-contact {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.top-bar-contact a {
  color: #E2E8F0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.top-bar-contact a:hover {
  color: var(--accent);
}

/* Main Navbar */
.navbar {
  background-color: var(--surface);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
  border-bottom: 1px solid var(--border);
  transition: all var(--transition-normal);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  position: relative;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: clamp(1.15rem, 2.5vw, 1.35rem);
  color: var(--primary);
  letter-spacing: -0.02em;
  flex-shrink: 0;
}

.brand-logo-icon {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, var(--accent) 0%, #008F66 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: var(--shadow-accent);
  flex-shrink: 0;
}

/* Nav Menu Wrapper (Contains Links + Actions in natural flow) */
.nav-menu-wrapper {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-links {
  display: flex;
  align-items: center;
  list-style: none;
  gap: clamp(14px, 1.8vw, 24px);
}

.nav-link {
  font-weight: 500;
  font-size: 0.9375rem;
  color: var(--text-main);
  padding: 8px 2px;
  position: relative;
  white-space: nowrap;
}

.nav-link:hover, .nav-link.active {
  color: var(--accent-hover);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--accent);
  border-radius: 2px;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.btn-login {
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--text-main);
  padding: 8px 16px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-login:hover {
  background-color: var(--surface-muted);
  border-color: #CBD5E1;
}

/* Primary Button */
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--accent) 0%, #00966C 100%);
  color: white;
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 11px 22px;
  border-radius: var(--radius-md);
  border: none;
  cursor: pointer;
  box-shadow: var(--shadow-accent);
  transition: all var(--transition-normal);
  text-align: center;
  white-space: nowrap;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px -4px rgba(0, 196, 140, 0.45);
  background: linear-gradient(135deg, #00D69A 0%, var(--accent) 100%);
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background-color: var(--surface);
  color: var(--primary);
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 11px 18px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  cursor: pointer;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-secondary:hover {
  background-color: var(--surface-muted);
  border-color: #CBD5E1;
}

/* Mobile Nav Toggle */
.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--primary);
}

/* ==========================================================================
   HERO SECTION & 3-STEP LEAD ENGINE
   ========================================================================== */

.hero-section {
  background: radial-gradient(120% 120% at 50% 10%, #162A45 0%, var(--primary-dark) 100%);
  color: var(--text-white);
  padding: clamp(40px, 6vw, 70px) 0;
  position: relative;
  overflow: hidden;
}

.hero-section::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(0, 196, 140, 0.15) 0%, rgba(0, 0, 0, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(28px, 4vw, 48px);
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-content {
  max-width: 600px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0, 196, 140, 0.12);
  border: 1px solid rgba(0, 196, 140, 0.35);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: clamp(0.75rem, 1.8vw, 0.875rem);
  font-weight: 600;
  color: var(--accent);
  margin-bottom: 16px;
  line-height: 1.4;
}

.hero-title {
  font-size: clamp(1.85rem, 3.8vw + 0.4rem, 2.85rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.025em;
  margin-bottom: 16px;
  overflow-wrap: break-word;
}

.hero-title span.highlight {
  background: linear-gradient(135deg, #00C48C 0%, #34D399 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-subtitle {
  font-size: clamp(0.9375rem, 1.4vw + 0.3rem, 1.0625rem);
  color: #CBD5E1;
  line-height: 1.6;
  margin-bottom: 24px;
}

.hero-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 28px;
}

.hero-features li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: clamp(0.875rem, 1.2vw + 0.2rem, 0.9375rem);
  color: #F1F5F9;
  line-height: 1.45;
}

.hero-features li svg {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.hero-trust-bar {
  display: flex;
  align-items: center;
  gap: clamp(12px, 2.5vw, 24px);
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  color: #94A3B8;
}

.trust-stars {
  color: var(--highlight);
  letter-spacing: 1px;
}

/* Glassmorphism Hero Card (Lead Capture) */
.hero-card {
  background: rgba(255, 255, 255, 0.98);
  border-radius: var(--radius-xl);
  padding: clamp(20px, 3.5vw, 32px);
  color: var(--text-main);
  box-shadow: var(--shadow-xl), 0 0 0 1px rgba(255, 255, 255, 0.2);
  position: relative;
  width: 100%;
}

.lead-header {
  text-align: center;
  margin-bottom: 20px;
}

.lead-badge {
  display: inline-block;
  background-color: var(--accent-light);
  color: var(--accent-hover);
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 3px 9px;
  border-radius: var(--radius-full);
  margin-bottom: 6px;
}

.lead-title {
  font-size: clamp(1.25rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.01em;
}

.lead-subtitle {
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* Stepper Progress Bar (Fluid & Non-Overlapping) */
.stepper-progress {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 22px;
  position: relative;
  width: 100%;
}

.stepper-progress::before {
  content: '';
  position: absolute;
  top: 15px;
  left: 10%;
  right: 10%;
  height: 2px;
  background-color: var(--border);
  z-index: 1;
}

.step-indicator {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  flex: 1;
  min-width: 0;
}

.step-circle {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background-color: var(--surface-muted);
  border: 2px solid var(--border);
  color: var(--text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.75rem;
  transition: all var(--transition-normal);
  flex-shrink: 0;
}

.step-label {
  font-size: clamp(0.625rem, 1.6vw, 0.6875rem);
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  white-space: nowrap;
  text-overflow: ellipsis;
  overflow: hidden;
  max-width: 100%;
  text-align: center;
}

.step-indicator.active .step-circle {
  background-color: var(--accent);
  border-color: var(--accent);
  color: white;
  box-shadow: 0 0 0 3px var(--accent-light);
}

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

.step-indicator.completed .step-circle {
  background-color: var(--primary);
  border-color: var(--primary);
  color: white;
}

/* Form Styles */
.form-group {
  margin-bottom: 14px;
}

.form-label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--text-main);
  margin-bottom: 5px;
}

.form-label span.req {
  color: var(--danger);
}

.form-control, .form-select {
  width: 100%;
  padding: 11px 13px;
  font-size: 16px; /* Prevents auto-zoom on iOS */
  color: var(--text-main);
  background-color: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  outline: none;
  line-height: 1.4;
}

.form-control:focus, .form-select:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-light);
}

.form-control.is-invalid {
  border-color: var(--danger);
  background-color: #FFF8F8;
}

.input-icon-group {
  position: relative;
}

.input-icon-group .icon-left {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-weight: 700;
}

.input-icon-group .form-control {
  padding-left: 30px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

/* Stepper navigation button row (Prev + Next) */
.btn-stepper-row {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-top: 14px;
}

.btn-stepper-row .btn-prev {
  flex: 0 0 76px;
  padding: 11px 12px;
  font-size: 0.875rem;
}

.btn-stepper-row .btn-next, .btn-stepper-row .btn-submit {
  flex: 1;
  min-width: 0;
  padding: 11px 14px;
  font-size: 0.875rem;
}

/* Amount Chips */
.amount-chips {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 6px;
  margin-top: 8px;
}

.amount-chip {
  background-color: var(--surface-muted);
  border: 1px solid var(--border);
  padding: 7px 4px;
  border-radius: var(--radius-sm);
  font-size: clamp(0.6875rem, 1.8vw, 0.75rem);
  font-weight: 700;
  color: var(--text-main);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.amount-chip:hover, .amount-chip.active {
  background-color: var(--accent-light);
  border-color: var(--accent);
  color: var(--accent-hover);
}

.form-security-notice {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 14px;
  text-align: center;
  line-height: 1.4;
}

.form-security-notice svg {
  color: var(--accent);
  flex-shrink: 0;
}

/* Stepper step contents */
.stepper-content-step {
  display: none;
  animation: fadeIn 0.3s ease;
}

.stepper-content-step.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ==========================================================================
   TRUST LOGOS SECTION
   ========================================================================== */

.trust-section {
  padding: 30px 0;
  background-color: var(--surface);
  border-bottom: 1px solid var(--border);
}

.trust-section-title {
  text-align: center;
  font-size: clamp(0.6875rem, 1.8vw, 0.8125rem);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 18px;
  line-height: 1.4;
}

.trust-logos-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: clamp(10px, 2vw, 24px);
}

.trust-logo-card {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 7px 14px;
  background-color: var(--surface-muted);
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--text-muted);
  white-space: nowrap;
}

.trust-logo-card img {
  height: 24px;
  width: auto;
  object-fit: contain;
}

/* ==========================================================================
   INTERACTIVE LOAN CALCULATOR SECTION
   ========================================================================== */

.calculator-section {
  padding: clamp(40px, 6vw, 70px) 0;
  background-color: var(--bg);
}

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto clamp(28px, 4vw, 44px) auto;
}

.section-badge {
  display: inline-block;
  background-color: var(--accent-light);
  color: var(--accent-hover);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  margin-bottom: 8px;
}

.section-title {
  font-size: clamp(1.6rem, 3.2vw + 0.3rem, 2.25rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--primary);
  margin-bottom: 10px;
  line-height: 1.25;
}

.section-description {
  font-size: clamp(0.875rem, 1.4vw + 0.2rem, 1rem);
  color: var(--text-muted);
  line-height: 1.6;
}

.calc-container {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: clamp(20px, 3.5vw, 32px);
  background-color: var(--surface);
  border-radius: var(--radius-xl);
  padding: clamp(20px, 3.5vw, 40px);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}

.calc-controls {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.calc-slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
  flex-wrap: wrap;
  gap: 8px;
}

.calc-slider-title {
  font-weight: 700;
  font-size: clamp(0.9375rem, 1.8vw, 1.0625rem);
  color: var(--primary);
}

.calc-slider-value {
  font-size: clamp(1.35rem, 3vw, 1.75rem);
  font-weight: 800;
  color: var(--accent-hover);
  letter-spacing: -0.02em;
}

.range-slider {
  width: 100%;
  height: 8px;
  border-radius: var(--radius-full);
  background: #E2E8F0;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--accent);
  border: 3px solid white;
  box-shadow: var(--shadow-md);
  cursor: pointer;
  transition: transform var(--transition-fast);
}

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

.range-scale {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 6px;
}

.term-selector {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 6px;
  margin-top: 8px;
}

.term-btn {
  background-color: var(--surface-muted);
  border: 1.5px solid var(--border);
  padding: 8px 2px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: clamp(0.75rem, 1.5vw, 0.8125rem);
  color: var(--text-main);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.term-btn:hover, .term-btn.active {
  background-color: var(--primary);
  border-color: var(--primary);
  color: white;
}

/* Calculator Result Card */
.calc-result-box {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: var(--radius-lg);
  padding: clamp(20px, 3vw, 32px);
  color: white;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-xl);
}

.calc-result-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #94A3B8;
  margin-bottom: 4px;
}

.calc-result-payment {
  font-size: clamp(2rem, 4.5vw, 2.75rem);
  font-weight: 800;
  color: white;
  letter-spacing: -0.02em;
  line-height: 1.15;
}

.calc-result-payment span {
  font-size: 1rem;
  font-weight: 500;
  color: #CBD5E1;
}

.calc-breakdown {
  margin: 18px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding: 14px 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.8125rem;
  color: #CBD5E1;
}

.breakdown-row strong {
  color: white;
}

/* ==========================================================================
   LOAN PRODUCTS GRID
   ========================================================================== */

.products-section {
  padding: clamp(40px, 6vw, 70px) 0;
  background-color: var(--surface);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.product-card {
  background-color: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: clamp(20px, 2.5vw, 26px);
  transition: all var(--transition-normal);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.product-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: #CBD5E1;
}

.product-icon {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-md);
  background: var(--accent-light);
  color: var(--accent-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.product-title {
  font-size: clamp(1.1rem, 2vw, 1.25rem);
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 8px;
}

.product-description {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 16px;
}

.product-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 20px;
}

.product-features li {
  font-size: 0.8125rem;
  color: var(--text-main);
  display: flex;
  align-items: center;
  gap: 8px;
}

.product-features li svg {
  color: var(--accent);
  flex-shrink: 0;
}

.product-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--accent-hover);
  font-weight: 600;
  font-size: 0.875rem;
}

.product-btn:hover {
  gap: 10px;
}

/* ==========================================================================
   HOW IT WORKS TIMELINE SECTION
   ========================================================================== */

.how-section {
  padding: clamp(40px, 6vw, 70px) 0;
  background-color: var(--bg);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  position: relative;
}

.step-card {
  background-color: var(--surface);
  border-radius: var(--radius-lg);
  padding: clamp(24px, 3vw, 32px);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: all var(--transition-normal);
}

.step-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.step-num-badge {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: var(--primary);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 16px;
}

.step-card-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 8px;
}

.step-card-text {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   REVIEWS & TESTIMONIALS SECTION
   ========================================================================== */

.reviews-section {
  padding: clamp(40px, 6vw, 70px) 0;
  background-color: var(--surface);
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.review-card {
  background-color: var(--bg);
  border-radius: var(--radius-lg);
  padding: clamp(20px, 2.5vw, 26px);
  border: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.review-stars {
  color: var(--highlight);
  margin-bottom: 10px;
}

.review-text {
  font-size: 0.875rem;
  color: var(--text-main);
  line-height: 1.6;
  margin-bottom: 16px;
  font-style: italic;
}

.review-author {
  display: flex;
  align-items: center;
  gap: 10px;
}

.review-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--primary-light);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.875rem;
}

.review-info-name {
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--primary);
}

.review-info-meta {
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* ==========================================================================
   FAST LEAD APPLICATION BANNER
   ========================================================================== */

.lead-cta-section {
  padding: clamp(40px, 6vw, 60px) 0;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: white;
}

.lead-cta-box {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(24px, 4vw, 40px);
  align-items: center;
}

.lead-cta-content h2 {
  font-size: clamp(1.6rem, 3vw + 0.3rem, 2.25rem);
  font-weight: 800;
  margin-bottom: 12px;
  letter-spacing: -0.02em;
  line-height: 1.25;
}

.lead-cta-content p {
  font-size: clamp(0.875rem, 1.4vw + 0.2rem, 1rem);
  color: #CBD5E1;
  line-height: 1.6;
  margin-bottom: 20px;
}

.quick-form-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: clamp(20px, 3vw, 26px);
  color: var(--text-main);
  box-shadow: var(--shadow-xl);
}

/* ==========================================================================
   FOOTER & LEGAL DISCLOSURES
   ========================================================================== */

.footer {
  background-color: var(--primary-dark);
  color: #94A3B8;
  padding-top: clamp(40px, 5vw, 60px);
  font-size: 0.8125rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: clamp(24px, 3.5vw, 40px);
  margin-bottom: 36px;
}

.footer-col h4 {
  color: white;
  font-size: 0.9375rem;
  font-weight: 700;
  margin-bottom: 14px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

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

.footer-contact-item {
  display: flex;
  gap: 8px;
  margin-bottom: 10px;
  color: #CBD5E1;
  line-height: 1.4;
  overflow-wrap: break-word;
}

.footer-contact-item svg {
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-badges {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 14px;
}

.footer-disclosures {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 22px 0;
  font-size: 0.75rem;
  line-height: 1.6;
  color: #64748B;
}

.footer-disclosures p {
  margin-bottom: 10px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding: 16px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 0.75rem;
}

/* Alert Messages */
.alert {
  padding: 12px 16px;
  border-radius: var(--radius-md);
  margin-bottom: 16px;
  font-size: 0.875rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 8px;
  line-height: 1.4;
}

.alert-success {
  background-color: var(--accent-light);
  color: #065F46;
  border: 1px solid #A7F3D0;
}

.alert-danger {
  background-color: var(--danger-light);
  color: #991B1B;
  border: 1px solid #FECACA;
}

/* Page Hero Header */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: white;
  padding: clamp(36px, 5vw, 54px) 0;
  text-align: center;
}

.page-hero-title {
  font-size: clamp(1.75rem, 3.5vw + 0.3rem, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 8px;
  line-height: 1.25;
}

.page-hero-sub {
  font-size: clamp(0.875rem, 1.4vw + 0.2rem, 1.0625rem);
  color: #CBD5E1;
  max-width: 650px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ==========================================================================
   RESPONSIVE BREAKPOINTS (MOBILE & TABLET OPTIMIZATIONS)
   ========================================================================== */

/* Large Tablets & Small Laptops (<= 1024px) */
@media (max-width: 1024px) {
  .hero-grid, .calc-container, .lead-cta-box {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .hero-content {
    max-width: 100%;
  }
  .products-grid, .steps-grid, .reviews-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-top-grid {
    grid-template-columns: 1fr 1fr;
  }
}

/* Mobile Devices & Tablets (<= 768px) */
@media (max-width: 768px) {
  .mobile-toggle {
    display: block;
  }

  /* Natural Mobile Drawer Flow (Eliminating absolute magic positions) */
  .nav-menu-wrapper {
    display: none;
    flex-direction: column;
    align-items: stretch;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: white;
    padding: 20px;
    box-shadow: var(--shadow-lg);
    border-top: 1px solid var(--border);
    gap: 16px;
    z-index: 999;
  }

  .navbar-mobile-open .nav-menu-wrapper {
    display: flex;
  }

  .nav-links {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    width: 100%;
  }

  .nav-link {
    width: 100%;
    padding: 10px 4px;
    font-size: 1rem;
    border-bottom: 1px solid #F1F5F9;
  }

  .nav-link.active::after {
    display: none;
  }

  .nav-actions {
    flex-direction: column;
    gap: 10px;
    width: 100%;
    margin-top: 8px;
  }

  .nav-actions a {
    width: 100%;
    text-align: center;
  }

  /* Typography Adjustments on Mobile */
  .hero-features {
    gap: 8px;
  }

  /* Form & Stepper Adjustments */
  .form-row {
    grid-template-columns: 1fr;
    gap: 8px;
  }

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

  .term-selector {
    grid-template-columns: repeat(3, 1fr);
  }

  /* Cards 1 Column */
  .products-grid, .steps-grid, .reviews-grid {
    grid-template-columns: 1fr;
  }

  .footer-top-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .top-bar-features span.d-none-sm {
    display: none;
  }
}

/* Small Smart Phones (<= 480px) */
@media (max-width: 480px) {
  .container {
    padding: 0 14px;
  }

  .hero-card {
    padding: 18px 14px;
  }

  .stepper-progress::before {
    left: 12%;
    right: 12%;
  }

  .step-circle {
    width: 28px;
    height: 28px;
    font-size: 0.75rem;
  }

  .step-label {
    font-size: 0.58rem;
  }

  /* Dedicated 4-step on very small screens: hide text label to prevent collision */
  .apply-stepper .step-label {
    display: none;
  }

  .btn-stepper-row {
    flex-direction: row;
  }

  .btn-stepper-row .btn-prev {
    flex: 0 0 68px;
    padding: 10px 8px;
    font-size: 0.8125rem;
  }

  .btn-stepper-row .btn-next, .btn-stepper-row .btn-submit {
    font-size: 0.8125rem;
    padding: 10px 10px;
  }

  .top-bar .container {
    justify-content: center;
    text-align: center;
  }

  .top-bar-features, .top-bar-contact {
    justify-content: center;
  }

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