/* ==========================================================================
   BillsHappen Design System — Frosted Glass Theme
   Aesthetic: Translucent Glassmorphism, Specular Highlights, Soft Elevation
   WCAG 2.2 AA Compliant, High Performance, Zero Dependencies
   ========================================================================== */

:root {
  /* Brand Color Palette */
  --primary: #0B526B;
  --primary-dark: #073747;
  --primary-light: #167A9C;
  --primary-subtle: rgba(11, 82, 107, 0.08);
  --primary-glass: rgba(11, 82, 107, 0.12);
  
  --accent: #F2A33A;
  --accent-dark: #D9851D;
  --accent-light: rgba(242, 163, 58, 0.14);
  --accent-hover: #E59325;
  --accent-glow: rgba(242, 163, 58, 0.35);
  
  --text: #172033;
  --text-secondary: #3B485A;
  --muted: #64748B;
  --muted-light: #94A3B8;
  
  /* Frosted Glass Surfaces */
  --surface: #F3F7FA;
  --surface-alt: #E8F2F6;
  --surface-card: rgba(255, 255, 255, 0.78);
  --white: #FFFFFF;
  
  --glass-bg: rgba(255, 255, 255, 0.76);
  --glass-bg-hover: rgba(255, 255, 255, 0.90);
  --glass-bg-solid: rgba(255, 255, 255, 0.94);
  --glass-bg-subtle: rgba(255, 255, 255, 0.55);
  --glass-bg-tint: rgba(235, 245, 248, 0.82);
  
  --glass-border: rgba(255, 255, 255, 0.85);
  --glass-border-subtle: rgba(11, 82, 107, 0.12);
  --glass-border-focus: #0B526B;
  --border: #D6E4EA;
  --border-light: rgba(220, 234, 240, 0.7);
  --border-focus: #0B526B;
  
  --success: #0E7B54;
  --success-bg: rgba(14, 123, 84, 0.1);
  --warning: #B45309;
  --warning-bg: rgba(245, 158, 11, 0.12);
  --error: #BE123C;
  --error-bg: rgba(190, 18, 60, 0.1);

  /* Typography */
  --font-sans: system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  --font-heading: system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;

  /* Spacing Scale (8pt baseline grid) */
  --space-1: 0.25rem; /* 4px */
  --space-2: 0.5rem;  /* 8px */
  --space-3: 0.75rem; /* 12px */
  --space-4: 1rem;    /* 16px */
  --space-5: 1.25rem; /* 20px */
  --space-6: 1.5rem;  /* 24px */
  --space-8: 2rem;    /* 32px */
  --space-10: 2.5rem; /* 40px */
  --space-12: 3rem;   /* 48px */
  --space-16: 4rem;   /* 64px */
  --space-20: 5rem;   /* 80px */
  --space-24: 6rem;   /* 96px */

  /* Radii */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 24px;
  --radius-pill: 9999px;

  /* Glass Elevation / Specular Shadows */
  --shadow-xs: 0 1px 2px rgba(11, 82, 107, 0.04), inset 0 1px 0 rgba(255, 255, 255, 0.8);
  --shadow-sm: 0 2px 8px rgba(11, 82, 107, 0.06), inset 0 1px 0 rgba(255, 255, 255, 0.9);
  --shadow-md: 0 8px 24px -4px rgba(11, 82, 107, 0.08), 0 2px 6px rgba(0, 0, 0, 0.03), inset 0 1px 1px rgba(255, 255, 255, 0.95);
  --shadow-lg: 0 16px 36px -6px rgba(11, 82, 107, 0.12), 0 4px 12px rgba(0, 0, 0, 0.04), inset 0 1px 1px rgba(255, 255, 255, 1);
  --shadow-xl: 0 24px 48px -12px rgba(11, 82, 107, 0.18), 0 8px 16px rgba(0, 0, 0, 0.04), inset 0 1px 2px rgba(255, 255, 255, 1);

  /* Frosted Glass Blur Standard */
  --glass-blur-sm: blur(10px) saturate(160%);
  --glass-blur-md: blur(16px) saturate(180%);
  --glass-blur-lg: blur(24px) saturate(200%);

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 350ms cubic-bezier(0.4, 0, 0.2, 1);
}

/* ==========================================================================
   CSS Reset & Base Rules
   ========================================================================== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  line-height: 1.6;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  color: var(--text);
  background-color: var(--surface);
  background-image: 
    radial-gradient(at 0% 0%, rgba(22, 122, 156, 0.09) 0px, transparent 50%),
    radial-gradient(at 100% 15%, rgba(242, 163, 58, 0.07) 0px, transparent 40%),
    radial-gradient(at 50% 50%, rgba(11, 82, 107, 0.05) 0px, transparent 50%),
    radial-gradient(at 90% 85%, rgba(22, 122, 156, 0.08) 0px, transparent 45%),
    radial-gradient(at 15% 90%, rgba(242, 163, 58, 0.06) 0px, transparent 45%);
  background-attachment: fixed;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

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

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

a:hover {
  color: var(--primary-light);
}

/* Skip link for Accessibility */
.skip-link {
  position: absolute;
  top: -100px;
  left: var(--space-4);
  background: var(--accent);
  color: var(--primary-dark);
  padding: var(--space-3) var(--space-6);
  font-weight: 700;
  border-radius: var(--radius-sm);
  z-index: 99999;
  transition: top var(--transition-fast);
  box-shadow: var(--shadow-lg);
  border: 2px solid var(--primary-dark);
}

.skip-link:focus {
  top: var(--space-4);
  outline: 3px solid var(--primary-dark);
}

/* Global Focus Ring (WCAG 2.2 AA) */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
}

/* Reduced Motion Override */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ==========================================================================
   Layout Containers & Sections with Frosted Backdrop
   ========================================================================== */
.container {
  width: 100%;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-4);
  padding-right: var(--space-4);
}

@media (min-width: 768px) {
  .container {
    padding-left: var(--space-6);
    padding-right: var(--space-6);
  }
}

@media (min-width: 1280px) {
  .container {
    padding-left: var(--space-8);
    padding-right: var(--space-8);
  }
}

.section {
  padding-top: var(--space-12);
  padding-bottom: var(--space-12);
  position: relative;
}

@media (min-width: 768px) {
  .section {
    padding-top: var(--space-20);
    padding-bottom: var(--space-20);
  }
}

.section-surface {
  background: transparent;
}

.section-white {
  background: rgba(255, 255, 255, 0.45);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-top: 1px solid rgba(255, 255, 255, 0.6);
  border-bottom: 1px solid rgba(255, 255, 255, 0.6);
}

.section-alt {
  background: rgba(232, 242, 246, 0.55);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
}

/* Typography Hierarchy */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--primary-dark);
  line-height: 1.25;
  font-weight: 700;
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(2rem, 4vw + 1rem, 3.25rem);
  line-height: 1.15;
}

h2 {
  font-size: clamp(1.6rem, 2.5vw + 0.8rem, 2.35rem);
  line-height: 1.2;
}

h3 {
  font-size: clamp(1.25rem, 1.5vw + 0.6rem, 1.5rem);
  line-height: 1.3;
}

h4 {
  font-size: 1.15rem;
  line-height: 1.4;
}

p {
  color: var(--text-secondary);
  margin-bottom: var(--space-4);
  max-width: 70ch;
}

p:last-child {
  margin-bottom: 0;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--primary);
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  padding: 0.35rem 0.95rem;
  border-radius: var(--radius-pill);
  margin-bottom: var(--space-3);
  border: 1px solid rgba(255, 255, 255, 0.9);
  box-shadow: 0 2px 8px rgba(11, 82, 107, 0.06), inset 0 1px 0 rgba(255, 255, 255, 1);
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--space-12);
}

.section-header p {
  margin-left: auto;
  margin-right: auto;
  font-size: 1.125rem;
  color: var(--text-secondary);
}

/* ==========================================================================
   Header & Navigation — Frosted Glass Navbar
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border-bottom: 1px solid rgba(255, 255, 255, 0.6);
  box-shadow: 0 4px 20px -2px rgba(11, 82, 107, 0.04);
  transition: all var(--transition-base);
}

.site-header.site-header-static {
  position: relative !important;
  top: auto !important;
}

.site-header.scrolled {
  background: rgba(255, 255, 255, 0.88);
  border-bottom-color: rgba(200, 220, 228, 0.8);
  box-shadow: 0 10px 30px -4px rgba(11, 82, 107, 0.08), inset 0 -1px 0 rgba(255, 255, 255, 0.8);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  color: var(--primary-dark);
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: -0.03em;
  text-decoration: none;
}

.brand-logo svg {
  width: 32px;
  height: 32px;
  filter: drop-shadow(0 2px 4px rgba(11, 82, 107, 0.15));
}

.brand-logo:hover {
  color: var(--primary);
}

.nav-links-desktop {
  display: none;
  align-items: center;
  gap: var(--space-6);
  list-style: none;
  background: rgba(255, 255, 255, 0.5);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  padding: 0.4rem 1rem;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(255, 255, 255, 0.7);
  box-shadow: inset 0 1px 1px rgba(255, 255, 255, 0.8), 0 2px 8px rgba(11, 82, 107, 0.04);
}

.nav-links-desktop a {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--text-secondary);
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-pill);
  transition: all var(--transition-fast);
  position: relative;
}

.nav-links-desktop a:hover {
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.75);
}

.nav-links-desktop a.active {
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.95);
  box-shadow: 0 2px 6px rgba(11, 82, 107, 0.08), inset 0 1px 0 rgba(255, 255, 255, 1);
  font-weight: 700;
}

.nav-actions-desktop {
  display: none;
  align-items: center;
  gap: var(--space-4);
}

.menu-toggle-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-radius: var(--radius-sm);
  color: var(--text);
  cursor: pointer;
  box-shadow: var(--shadow-xs);
  transition: all var(--transition-fast);
}

.menu-toggle-btn:hover {
  background: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

@media (min-width: 992px) {
  .nav-links-desktop,
  .nav-actions-desktop {
    display: flex;
  }
  .menu-toggle-btn {
    display: none;
  }
}

/* Mobile Drawer Navigation — Frosted Glass */
.mobile-nav-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(7, 55, 71, 0.35);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 1001;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition-base);
}

.mobile-nav-backdrop.open {
  opacity: 1;
  pointer-events: auto;
}

.mobile-nav-drawer {
  position: fixed;
  top: 0;
  right: -340px;
  width: 100%;
  max-width: 340px;
  height: 100%;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border-left: 1px solid rgba(255, 255, 255, 0.8);
  z-index: 1002;
  box-shadow: -10px 0 40px rgba(11, 82, 107, 0.15);
  display: flex;
  flex-direction: column;
  padding: var(--space-6);
  transition: transform var(--transition-base);
}

.mobile-nav-drawer.open {
  transform: translateX(-340px);
}

.mobile-nav-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-8);
  padding-bottom: var(--space-4);
  border-bottom: 1px solid rgba(200, 220, 228, 0.6);
}

.mobile-nav-close {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-radius: var(--radius-sm);
  cursor: pointer;
  box-shadow: var(--shadow-xs);
}

.mobile-nav-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-bottom: var(--space-8);
}

.mobile-nav-links a {
  display: block;
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--text);
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
}

.mobile-nav-links a:hover,
.mobile-nav-links a.active {
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: var(--shadow-xs);
}

/* ==========================================================================
   Buttons & Controls (Strict 2x horizontal padding rule)
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font-weight: 700;
  font-size: 1rem;
  line-height: 1.25;
  white-space: nowrap;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition-fast);
  min-height: 48px;
  padding: 0.75rem 1.5rem; /* Exactly 2x horizontal padding */
  position: relative;
  overflow: hidden;
}

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

.btn-primary {
  background: linear-gradient(135deg, #FFB020 0%, #F59E0B 50%, #D97706 100%);
  color: #062833;
  font-weight: 800;
  letter-spacing: -0.01em;
  border: 1px solid rgba(255, 255, 255, 0.6);
  box-shadow: 0 4px 16px rgba(245, 158, 11, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.65);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #FFC147 0%, #FBBF24 50%, #E58A1F 100%);
  color: #031B24;
  box-shadow: 0 8px 24px rgba(245, 158, 11, 0.45), inset 0 1px 0 rgba(255, 255, 255, 0.8);
  transform: translateY(-2px);
}

.btn-secondary {
  background: linear-gradient(135deg, #167A9C 0%, #0B526B 100%);
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.3);
  box-shadow: 0 4px 14px rgba(11, 82, 107, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3);
}

.btn-secondary:hover {
  background: linear-gradient(135deg, #1B8DB3 0%, #073747 100%);
  color: var(--white);
  box-shadow: 0 6px 20px rgba(11, 82, 107, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.4);
  transform: translateY(-1px);
}

.btn-outline {
  background: rgba(255, 255, 255, 0.6);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  color: var(--primary);
  border: 1px solid rgba(11, 82, 107, 0.3);
  box-shadow: var(--shadow-xs);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.9);
  color: var(--primary-dark);
  border-color: var(--primary);
  box-shadow: var(--shadow-sm);
  transform: translateY(-1px);
}

.btn-white {
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  color: var(--primary-dark);
  border: 1px solid rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

.btn-white:hover {
  background: #FFFFFF;
  border-color: var(--primary-light);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-sm {
  min-height: 40px;
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  border-radius: var(--radius-sm);
}

.btn-lg {
  min-height: 56px;
  padding: 1rem 2rem;
  font-size: 1.125rem;
  border-radius: var(--radius-md);
}

.btn-block {
  width: 100%;
}

/* ==========================================================================
   Hero Section — Frosted Atmosphere
   ========================================================================== */
.hero {
  position: relative;
  padding-top: var(--space-12);
  padding-bottom: var(--space-16);
  overflow: hidden;
}

@media (min-width: 992px) {
  .hero {
    padding-top: var(--space-16);
    padding-bottom: var(--space-24);
  }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: var(--space-12);
  }
}

.hero-content h1 {
  margin-bottom: var(--space-5);
  color: var(--primary-dark);
}

.hero-content .lead {
  font-size: 1.1875rem;
  line-height: 1.6;
  color: var(--text-secondary);
  margin-bottom: var(--space-8);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}

.hero-trust-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--space-4);
  padding-top: var(--space-6);
  border-top: 1px solid rgba(200, 220, 228, 0.6);
  list-style: none;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.hero-trust-item svg {
  width: 20px;
  height: 20px;
  color: var(--success);
  flex-shrink: 0;
}

/* Hero Interactive Card / Selector — Frosted Glass Elevation */
.hero-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border-radius: var(--radius-xl);
  border: 1px solid var(--glass-border);
  padding: var(--space-6);
  box-shadow: var(--shadow-xl);
  position: relative;
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.hero-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.9), transparent);
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

@media (min-width: 768px) {
  .hero-card {
    padding: var(--space-8);
  }
}

.hero-card-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  padding: 0.3rem 0.85rem;
  border-radius: var(--radius-pill);
  margin-bottom: var(--space-4);
  border: 1px solid rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-xs);
}

.hero-card-title {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: var(--space-4);
  color: var(--primary-dark);
}

/* ==========================================================================
   Loan Amount Selector Component — Frosted Glass Sliders & Presets
   ========================================================================== */
.amount-selector {
  margin-bottom: var(--space-6);
}

.amount-display {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: var(--space-3);
}

.amount-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.amount-value {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--primary-dark);
  letter-spacing: -0.02em;
  text-shadow: 0 2px 8px rgba(11, 82, 107, 0.1);
}

.amount-presets {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-2);
  margin-bottom: var(--space-4);
}

.preset-btn {
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  border: 1px solid rgba(200, 220, 228, 0.7);
  border-radius: var(--radius-sm);
  padding: 0.5rem 0.25rem;
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--text-secondary);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition-fast);
  min-height: 40px;
  box-shadow: var(--shadow-xs);
}

.preset-btn:hover {
  border-color: var(--primary-light);
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.95);
  transform: translateY(-1px);
}

.preset-btn.active {
  background: linear-gradient(135deg, #0B526B 0%, #073747 100%);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.3);
  box-shadow: 0 4px 12px rgba(11, 82, 107, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3);
}

/* Custom Range Slider — Frosted Glass Track */
.slider-container {
  position: relative;
  margin-bottom: var(--space-4);
}

.range-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--radius-pill);
  background: rgba(200, 220, 228, 0.7);
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.08);
  outline: none;
  cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: linear-gradient(135deg, #F2A33A 0%, #E59325 100%);
  border: 3px solid #FFFFFF;
  box-shadow: 0 4px 12px rgba(242, 163, 58, 0.4), 0 2px 4px rgba(0, 0, 0, 0.1);
  cursor: grab;
  transition: transform var(--transition-fast);
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.18);
  background: linear-gradient(135deg, #FBBF24 0%, #D9851D 100%);
  box-shadow: 0 6px 16px rgba(242, 163, 58, 0.5), 0 2px 4px rgba(0, 0, 0, 0.12);
}

.range-slider::-moz-range-thumb {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: linear-gradient(135deg, #F2A33A 0%, #E59325 100%);
  border: 3px solid #FFFFFF;
  box-shadow: 0 4px 12px rgba(242, 163, 58, 0.4);
  cursor: grab;
}

.slider-ticks {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--muted);
  font-weight: 600;
  margin-top: var(--space-2);
}

.custom-amount-input-wrap {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  margin-top: var(--space-3);
}

.custom-amount-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.custom-amount-input {
  flex: 1;
  padding: 0.55rem 0.85rem;
  border: 1px solid rgba(200, 220, 228, 0.8);
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--text);
  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.02);
  transition: all var(--transition-fast);
}

.custom-amount-input:focus {
  background: #FFFFFF;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 82, 107, 0.15);
}

.selector-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--text-secondary);
  text-align: center;
  margin: var(--space-3) auto 0;
  line-height: 1.5;
}

.selector-note svg {
  color: var(--primary);
  flex-shrink: 0;
}

.selector-trust-pills {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
  flex-wrap: wrap;
  margin-top: var(--space-4);
  padding-top: var(--space-3);
  border-top: 1px solid rgba(200, 220, 228, 0.4);
}

.selector-trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--muted);
}

.selector-trust-pill svg {
  color: var(--primary);
}

/* ==========================================================================
   Benefit Cards Grid — Frosted Glass Tiles
   ========================================================================== */
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 640px) {
  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

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

.benefit-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.benefit-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.8), transparent);
}

.benefit-card:hover {
  transform: translateY(-5px);
  background: var(--glass-bg-hover);
  box-shadow: var(--shadow-lg);
  border-color: rgba(255, 255, 255, 0.95);
}

.benefit-icon-wrapper {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background: rgba(235, 245, 248, 0.9);
  border: 1px solid rgba(255, 255, 255, 0.9);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  box-shadow: var(--shadow-xs);
}

.benefit-icon-wrapper svg {
  width: 26px;
  height: 26px;
}

.benefit-card h3 {
  font-size: 1.2rem;
  margin-bottom: var(--space-3);
  color: var(--primary-dark);
}

.benefit-card p {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* ==========================================================================
   Transparency & Verification Table — Frosted Glass Container
   ========================================================================== */
.transparency-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  box-shadow: var(--shadow-md);
  max-width: 880px;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .transparency-card {
    padding: var(--space-8);
  }
}

.transparency-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  margin: var(--space-6) 0;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(200, 220, 228, 0.6);
}

.transparency-table th,
.transparency-table td {
  padding: var(--space-4);
  text-align: left;
  border-bottom: 1px solid rgba(220, 234, 240, 0.7);
  font-size: 0.9375rem;
}

.transparency-table th {
  font-weight: 700;
  color: var(--primary-dark);
  background: rgba(235, 245, 248, 0.7);
  width: 40%;
}

.transparency-table td {
  color: var(--text);
  background: rgba(255, 255, 255, 0.5);
}

.transparency-table tr:last-child th,
.transparency-table tr:last-child td {
  border-bottom: none;
}

.verify-badge {
  display: inline-block;
  background: rgba(255, 255, 255, 0.8);
  color: var(--primary);
  font-family: monospace;
  font-size: 0.8125rem;
  font-weight: 700;
  padding: 0.25rem 0.6rem;
  border-radius: var(--radius-xs);
  border: 1px dashed var(--primary);
  box-shadow: var(--shadow-xs);
}

.transparency-note {
  font-size: 0.8125rem;
  color: var(--text-secondary);
  line-height: 1.5;
  background: rgba(255, 255, 255, 0.6);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  padding: var(--space-4);
  border-radius: var(--radius-sm);
  border-left: 4px solid var(--primary);
  border-top: 1px solid rgba(255, 255, 255, 0.8);
  border-right: 1px solid rgba(255, 255, 255, 0.8);
  border-bottom: 1px solid rgba(255, 255, 255, 0.8);
}

/* ==========================================================================
   Loan Purposes Grid — Frosted Glass Cards
   ========================================================================== */
.purposes-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 640px) {
  .purposes-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

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

.purpose-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  transition: all var(--transition-base);
  text-align: left;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}

.purpose-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.9), transparent);
}

.purpose-card:hover {
  border-color: rgba(242, 163, 58, 0.6);
  box-shadow: 0 12px 32px -4px rgba(242, 163, 58, 0.15), var(--shadow-md);
  background: var(--glass-bg-hover);
  transform: translateY(-4px);
}

.purpose-icon {
  width: 50px;
  height: 50px;
  border-radius: var(--radius-md);
  background: rgba(254, 243, 199, 0.7);
  border: 1px solid rgba(255, 255, 255, 0.9);
  color: var(--accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  box-shadow: var(--shadow-xs);
}

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

.purpose-card h3 {
  font-size: 1.125rem;
  margin-bottom: var(--space-2);
  color: var(--primary-dark);
}

.purpose-card p {
  font-size: 0.875rem;
  color: var(--text-secondary);
}

/* ==========================================================================
   3-Step Process (How It Works) — Frosted Glass Tiles
   ========================================================================== */
.steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  position: relative;
}

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

.step-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6);
  position: relative;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
  overflow: hidden;
}

.step-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.95), transparent);
}

.step-card:hover {
  transform: translateY(-4px);
  background: var(--glass-bg-hover);
  box-shadow: var(--shadow-lg);
}

.step-number {
  font-size: 2.75rem;
  font-weight: 900;
  color: var(--primary);
  opacity: 0.3;
  line-height: 1;
  margin-bottom: var(--space-4);
  text-shadow: 0 2px 6px rgba(11, 82, 107, 0.1);
}

.step-card h3 {
  font-size: 1.25rem;
  margin-bottom: var(--space-3);
  color: var(--primary-dark);
}

.step-card p {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   Loan Calculator Component — Frosted Glass Suite
   ========================================================================== */
.calculator-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: var(--space-6);
  position: relative;
}

.calculator-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 1), transparent);
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

@media (min-width: 992px) {
  .calculator-card {
    padding: var(--space-8);
  }
}

.calculator-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
}

@media (min-width: 992px) {
  .calculator-grid {
    grid-template-columns: 1.1fr 0.9fr;
    gap: var(--space-10);
  }
}

.calc-input-group {
  margin-bottom: var(--space-6);
}

.calc-input-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-2);
}

.calc-label {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--primary-dark);
}

.calc-val-badge {
  font-size: 1.125rem;
  font-weight: 800;
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-xs);
}

.term-options {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-2);
  margin-top: var(--space-3);
}

.term-btn {
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  border: 1px solid rgba(200, 220, 228, 0.7);
  border-radius: var(--radius-sm);
  padding: 0.6rem 0.25rem;
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--text-secondary);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition-fast);
  box-shadow: var(--shadow-xs);
}

.term-btn:hover {
  border-color: var(--primary-light);
  color: var(--primary-dark);
  background: rgba(255, 255, 255, 0.95);
  transform: translateY(-1px);
}

.term-btn.active {
  background: linear-gradient(135deg, #0B526B 0%, #073747 100%);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.3);
  box-shadow: 0 4px 12px rgba(11, 82, 107, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.3);
}

/* Calculator Results Panel — Frosted Icy Teal */
.calc-results-panel {
  background: linear-gradient(145deg, rgba(235, 245, 248, 0.85) 0%, rgba(215, 235, 242, 0.7) 100%);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.9);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: inset 0 1px 1px rgba(255, 255, 255, 0.8), 0 8px 24px -4px rgba(11, 82, 107, 0.08);
}

.calc-results-header {
  margin-bottom: var(--space-6);
}

.calc-results-header .label {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--primary);
  margin-bottom: var(--space-2);
}

.monthly-payment-amount {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: var(--primary-dark);
  line-height: 1.1;
  letter-spacing: -0.02em;
  text-shadow: 0 2px 8px rgba(11, 82, 107, 0.1);
}

.monthly-payment-sub {
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-top: var(--space-1);
}

.calc-breakdown-list {
  list-style: none;
  margin: var(--space-6) 0;
  border-top: 1px solid rgba(200, 220, 228, 0.7);
  border-bottom: 1px solid rgba(200, 220, 228, 0.7);
  padding: var(--space-4) 0;
}

.calc-breakdown-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-2) 0;
  font-size: 0.9375rem;
}

.calc-breakdown-item .label {
  color: var(--text-secondary);
  font-weight: 500;
}

.calc-breakdown-item .value {
  font-weight: 700;
  color: var(--primary-dark);
}

.calc-disclaimer {
  font-size: 0.75rem;
  color: var(--muted);
  line-height: 1.45;
  margin-top: var(--space-4);
}

/* ==========================================================================
   FAQ Accordion (WCAG 2.2 AA Keyboard & Screen-reader Accessible) — Frosted
   ========================================================================== */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: all var(--transition-base);
}

.faq-item:hover {
  background: var(--glass-bg-hover);
  border-color: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

.faq-item.active {
  background: rgba(255, 255, 255, 0.92);
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
}

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background: none;
  border: none;
  text-align: left;
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--primary-dark);
  cursor: pointer;
  transition: color var(--transition-fast);
}

.faq-trigger:hover {
  color: var(--primary-light);
}

.faq-icon {
  width: 24px;
  height: 24px;
  color: var(--primary);
  flex-shrink: 0;
  transition: transform var(--transition-base);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-content {
  display: none;
  padding: 0 var(--space-6) var(--space-6);
  color: var(--text-secondary);
  font-size: 0.9375rem;
  line-height: 1.65;
}

.faq-item.active .faq-content {
  display: block;
}

/* FAQ Search & Category Filter — Frosted Glass */
.faq-filter-bar {
  max-width: 860px;
  margin: 0 auto var(--space-8);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.faq-search-wrap {
  position: relative;
}

.faq-search-input {
  width: 100%;
  padding: 0.85rem 1rem 0.85rem 3rem;
  border: 1px solid rgba(200, 220, 228, 0.8);
  border-radius: var(--radius-md);
  font-size: 1rem;
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  box-shadow: var(--shadow-xs);
  transition: all var(--transition-fast);
}

.faq-search-input:focus {
  background: #FFFFFF;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 82, 107, 0.15);
}

.faq-search-icon {
  position: absolute;
  left: 1rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  width: 20px;
  height: 20px;
}

.faq-categories {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
}

.faq-cat-btn {
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  border: 1px solid rgba(200, 220, 228, 0.7);
  border-radius: var(--radius-pill);
  padding: 0.4rem 1rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-secondary);
  cursor: pointer;
  box-shadow: var(--shadow-xs);
  transition: all var(--transition-fast);
}

.faq-cat-btn.active,
.faq-cat-btn:hover {
  background: linear-gradient(135deg, #0B526B 0%, #073747 100%);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.3);
  box-shadow: 0 4px 12px rgba(11, 82, 107, 0.2);
}

/* ==========================================================================
   External Form Embed Container & Apply Card Layout
   ========================================================================== */
.apply-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: var(--space-6);
  max-width: 1045px;
  margin: 0 auto;
  position: relative;
}

.apply-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 1), transparent);
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

@media (min-width: 768px) {
  .apply-card {
    padding: var(--space-8) var(--space-10);
  }
}

.external-form-wrapper {
  width: 100%;
  min-height: 480px;
  position: relative;
}

.external-form-embed-area {
  width: 100%;
  min-height: 400px;
  display: flex;
  flex-direction: column;
}

.external-form-embed-area iframe {
  width: 100%;
  min-height: 600px;
  border: none;
  border-radius: var(--radius-md);
}

.external-form-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: var(--space-10) var(--space-6);
  border: 2px dashed rgba(11, 82, 107, 0.25);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.6);
  min-height: 380px;
}

.external-form-placeholder-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(11, 82, 107, 0.08);
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}

.external-form-placeholder h3 {
  font-size: 1.25rem;
  color: var(--primary-dark);
  margin-bottom: var(--space-2);
}

.external-form-placeholder p {
  max-width: 480px;
  font-size: 0.9375rem;
  color: var(--text-secondary);
  margin-bottom: var(--space-4);
  line-height: 1.6;
}

.external-form-placeholder code {
  background: #E8F1F4;
  color: var(--primary-dark);
  padding: 0.25rem 0.6rem;
  border-radius: 4px;
  font-size: 0.8125rem;
  font-family: monospace;
}

.progress-track {
  width: 100%;
  height: 8px;
  background: rgba(200, 220, 228, 0.6);
  border-radius: var(--radius-pill);
  margin-bottom: var(--space-8);
  overflow: hidden;
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.05);
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, #F2A33A 0%, #E59325 100%);
  box-shadow: 0 0 12px var(--accent-glow);
  transition: width var(--transition-base);
  width: 25%;
}

.step-indicator {
  display: flex;
  justify-content: space-between;
  margin-bottom: var(--space-8);
}

.step-dot {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-1);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--muted);
}

.step-dot-circle {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  border: 2px solid rgba(200, 220, 228, 0.8);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--muted);
  font-weight: 700;
  font-size: 0.875rem;
  box-shadow: var(--shadow-xs);
  transition: all var(--transition-base);
}

.step-dot.active .step-dot-circle {
  background: linear-gradient(135deg, #0B526B 0%, #073747 100%);
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--white);
  box-shadow: 0 4px 12px rgba(11, 82, 107, 0.3);
}

.step-dot.completed .step-dot-circle {
  background: var(--success);
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--white);
  box-shadow: 0 4px 12px rgba(14, 123, 84, 0.3);
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
}

.form-group {
  margin-bottom: var(--space-5);
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: var(--space-2);
}

.form-control {
  width: 100%;
  min-height: 48px;
  padding: 0.75rem 1rem;
  border: 1px solid rgba(200, 220, 228, 0.8);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  color: var(--text);
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.02);
  transition: all var(--transition-fast);
}

.form-control:focus {
  background: #FFFFFF;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(11, 82, 107, 0.15);
}

.form-hint {
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: var(--space-1);
}

.form-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: 0.8125rem;
  color: var(--text-secondary);
  line-height: 1.5;
  cursor: pointer;
}

.form-checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--primary);
  flex-shrink: 0;
}

.form-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  margin-top: var(--space-8);
  padding-top: var(--space-6);
  border-top: 1px solid rgba(200, 220, 228, 0.6);
}

.demo-banner {
  background: rgba(254, 243, 199, 0.8);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  border: 1px solid rgba(245, 158, 11, 0.4);
  color: #7B4C0A;
  padding: var(--space-4);
  border-radius: var(--radius-sm);
  font-size: 0.8125rem;
  line-height: 1.5;
  margin-bottom: var(--space-6);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  box-shadow: var(--shadow-xs);
}

.demo-banner svg {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  color: var(--warning);
}

/* ==========================================================================
   Final CTA Section — Deep Frosted Ocean
   ========================================================================== */
.final-cta {
  background: linear-gradient(135deg, #073747 0%, #0B526B 50%, #167A9C 100%);
  color: var(--white);
  text-align: center;
  padding-top: var(--space-16);
  padding-bottom: var(--space-16);
  position: relative;
  overflow: hidden;
}

.final-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 30%, rgba(242, 163, 58, 0.15) 0%, transparent 60%);
  pointer-events: none;
}

.final-cta h2 {
  color: var(--white);
  margin-bottom: var(--space-4);
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.2);
}

.final-cta p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.125rem;
  max-width: 640px;
  margin: 0 auto var(--space-8);
}

/* ==========================================================================
   Site Footer & Disclosures — Dark Obsidian Frosted Glass
   ========================================================================== */
.site-footer {
  background: rgba(10, 23, 30, 0.96);
  backdrop-filter: var(--glass-blur-lg);
  -webkit-backdrop-filter: var(--glass-blur-lg);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  color: #B2C2CB;
  padding-top: var(--space-16);
  padding-bottom: var(--space-10);
  font-size: 0.875rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  margin-bottom: var(--space-12);
}

@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
    gap: var(--space-10);
  }
}

.footer-brand h3,
.footer-brand h4,
.footer-brand .footer-brand-title {
  color: var(--white);
  font-size: 1.35rem;
  margin-bottom: var(--space-3);
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-weight: 700;
}

.footer-brand p {
  color: #8C9FA8;
  font-size: 0.875rem;
  line-height: 1.6;
}

.footer-col h3,
.footer-col h5,
.footer-col .footer-col-title {
  color: var(--white);
  font-size: 0.9375rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-4);
}

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

.footer-links a {
  color: #B2C2CB;
  font-size: 0.875rem;
  transition: color var(--transition-fast);
}

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

.footer-disclosure-block {
  background: rgba(255, 255, 255, 0.04);
  backdrop-filter: var(--glass-blur-sm);
  -webkit-backdrop-filter: var(--glass-blur-sm);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  margin-bottom: var(--space-8);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.05);
}

.footer-disclosure-block h3,
.footer-disclosure-block h6,
.footer-disclosure-block .footer-disclosure-title {
  color: #E2ECF0;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-3);
}

.footer-disclosure-block p {
  color: #8C9FA8;
  font-size: 0.75rem;
  line-height: 1.65;
  margin-bottom: var(--space-3);
  max-width: 100%;
}

.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  align-items: center;
  justify-content: space-between;
  padding-top: var(--space-6);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.75rem;
  color: #6C818C;
}

@media (min-width: 768px) {
  .footer-bottom {
    flex-direction: row;
  }
}

/* ==========================================================================
   Content / SEO Page Layouts (Resources, Legal, Rates)
   ========================================================================== */
.page-hero {
  position: relative;
  padding-top: var(--space-12);
  padding-bottom: var(--space-12);
  text-align: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.6);
}

.page-hero h1 {
  margin-bottom: var(--space-3);
  color: var(--primary-dark);
}

.page-hero p {
  font-size: 1.125rem;
  color: var(--text-secondary);
  margin: 0 auto;
}

.content-article {
  max-width: 840px;
  margin: 0 auto;
  font-size: 1.0625rem;
  line-height: 1.7;
}

.content-article h2 {
  margin-top: var(--space-10);
  margin-bottom: var(--space-4);
  color: var(--primary-dark);
}

.content-article h3 {
  margin-top: var(--space-8);
  margin-bottom: var(--space-3);
  color: var(--text);
}

.content-article p {
  margin-bottom: var(--space-5);
  font-size: 1.0625rem;
  line-height: 1.7;
}

.content-article ul,
.content-article ol {
  margin-bottom: var(--space-6);
  padding-left: var(--space-6);
}

.content-article li {
  margin-bottom: var(--space-2);
  color: var(--text-secondary);
}

.callout-box {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border-left: 4px solid var(--primary);
  border-top: 1px solid var(--glass-border);
  border-right: 1px solid var(--glass-border);
  border-bottom: 1px solid var(--glass-border);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: var(--space-6);
  margin: var(--space-8) 0;
  box-shadow: var(--shadow-sm);
}

.callout-box h3,
.callout-box h4 {
  color: var(--primary-dark);
  font-size: 1.15rem;
  margin-bottom: var(--space-2);
}

.callout-box p {
  font-size: 0.9375rem;
  margin-bottom: 0;
}

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  margin: var(--space-8) 0;
}

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

.comparison-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
}

.comparison-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  background: var(--glass-bg-hover);
}

.comparison-card h3,
.comparison-card h4 {
  color: var(--primary-dark);
  margin-bottom: var(--space-3);
  font-size: 1.125rem;
}

.comparison-card ul {
  list-style: none;
  padding-left: 0;
  margin-bottom: 0;
}

.comparison-card li {
  font-size: 0.875rem;
  padding: var(--space-1) 0;
  display: flex;
  align-items: baseline;
  gap: var(--space-2);
}

/* Policy Table of Contents & Tables */
.policy-toc {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  margin-bottom: var(--space-10);
  box-shadow: var(--shadow-sm);
}

.policy-toc h3 {
  font-size: 1.125rem;
  color: var(--primary-dark);
  margin-top: 0;
  margin-bottom: var(--space-3);
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

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

@media (min-width: 640px) {
  .policy-toc-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.policy-toc a {
  color: var(--primary);
  font-size: 0.9375rem;
  font-weight: 600;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.25rem 0;
  transition: color var(--transition-fast);
}

.policy-toc a:hover {
  color: var(--primary-dark);
  text-decoration: underline;
}

.policy-table-wrapper {
  overflow-x: auto;
  margin: var(--space-6) 0 var(--space-8);
  border: 1px solid rgba(200, 220, 228, 0.8);
  border-radius: var(--radius-md);
  background: #FFFFFF;
  box-shadow: var(--shadow-xs);
}

.policy-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.875rem;
}

.policy-table th {
  background: #F0F7F9;
  color: var(--primary-dark);
  font-weight: 700;
  padding: var(--space-3) var(--space-4);
  border-bottom: 1px solid rgba(200, 220, 228, 0.9);
  white-space: nowrap;
}

.policy-table td {
  padding: var(--space-3) var(--space-4);
  border-bottom: 1px solid rgba(200, 220, 228, 0.5);
  color: var(--text-secondary);
  vertical-align: top;
  line-height: 1.5;
}

.policy-table tr:last-child td {
  border-bottom: none;
}

.policy-table tr:hover td {
  background: rgba(240, 247, 249, 0.4);
}

.policy-highlight-card {
  background: linear-gradient(135deg, rgba(235, 245, 248, 0.7) 0%, rgba(255, 255, 255, 0.9) 100%);
  border: 1px solid rgba(11, 82, 107, 0.15);
  border-left: 4px solid var(--primary);
  border-radius: var(--radius-md);
  padding: var(--space-5) var(--space-6);
  margin: var(--space-6) 0;
}

.policy-highlight-card h4 {
  color: var(--primary-dark);
  margin-top: 0;
  margin-bottom: var(--space-2);
  font-size: 1.0625rem;
}

.policy-highlight-card p:last-child {
  margin-bottom: 0;
}

/* ==========================================================================
   404 Not Found Page Styles
   ========================================================================== */
.error-section {
  padding: var(--space-16) 0 var(--space-20);
  min-height: 65vh;
  display: flex;
  align-items: center;
}

.error-card {
  background: var(--surface-card);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  box-shadow: var(--shadow-lg);
  border-radius: var(--radius-xl);
  padding: var(--space-10) var(--space-8);
  text-align: center;
  max-width: 760px;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .error-card {
    padding: var(--space-12) var(--space-12);
  }
}

.error-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-1) var(--space-4);
  border-radius: var(--radius-pill);
  background: var(--accent-light);
  color: var(--accent-dark);
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: var(--space-4);
  border: 1px solid rgba(242, 163, 58, 0.3);
}

.error-code-display {
  font-size: clamp(4rem, 12vw, 6.5rem);
  font-weight: 900;
  line-height: 1;
  color: var(--primary);
  margin-bottom: var(--space-3);
  letter-spacing: -0.04em;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--primary-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.error-card h1 {
  font-size: clamp(1.5rem, 3.5vw, 2rem);
  font-weight: 700;
  color: var(--text);
  margin-bottom: var(--space-4);
}

.error-card p.error-desc {
  font-size: 1.0625rem;
  color: var(--text-secondary);
  line-height: 1.6;
  max-width: 540px;
  margin: 0 auto var(--space-8);
}

.error-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-4);
  margin-bottom: var(--space-10);
}

.error-helpful-nav {
  border-top: 1px solid var(--border-light);
  padding-top: var(--space-8);
}

.error-helpful-nav h2 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-5);
}

.error-links-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: var(--space-3);
}

.error-link-item {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-4);
  background: var(--glass-bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  color: var(--primary-dark);
  font-weight: 600;
  font-size: 0.9375rem;
  text-decoration: none;
  transition: all var(--transition-fast);
}

.error-link-item:hover {
  background: var(--white);
  border-color: var(--primary-light);
  color: var(--primary);
  transform: translateY(-2px);
  box-shadow: var(--shadow-xs);
}

/* ==========================================================================
   BillsHappen Dedicated Content Sections & Eligibility Cards
   ========================================================================== */
.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  margin: var(--space-8) 0;
}

@media (min-width: 640px) {
  .eligibility-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

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

.eligibility-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-md);
  -webkit-backdrop-filter: var(--glass-blur-md);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
  display: flex;
  flex-direction: column;
}

.eligibility-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  background: var(--glass-bg-hover);
  border-color: rgba(255, 255, 255, 0.95);
}

.eligibility-icon-wrap {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: rgba(242, 163, 58, 0.15);
  border: 1px solid rgba(242, 163, 58, 0.35);
  color: #D97706;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}

.eligibility-card h3,
.eligibility-card h4 {
  font-size: 1.125rem;
  color: var(--primary-dark);
  margin-bottom: var(--space-2);
}

.eligibility-card p {
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.55;
  margin-bottom: 0;
}

.brand-highlight-box {
  background: linear-gradient(135deg, rgba(235, 245, 248, 0.85) 0%, rgba(255, 255, 255, 0.95) 100%);
  border: 1px solid rgba(11, 82, 107, 0.18);
  border-left: 5px solid var(--primary);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  margin: var(--space-10) 0;
  box-shadow: var(--shadow-md);
}

.brand-highlight-box h3 {
  color: var(--primary-dark);
  font-size: 1.35rem;
  margin-bottom: var(--space-3);
}

.brand-highlight-box p {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: var(--space-4);
}

.brand-highlight-box p:last-child {
  margin-bottom: 0;
}