/* HomeCashLine.com — Main Stylesheet */
/* ======================================== */

:root {
    --primary: #0077a0;
    --primary-dark: #005f80;
    --primary-light: #ddeef5;
    --accent: #e8920a;
    --accent-dark: #c97508;
    --danger: #dc2626;
    --danger-light: #fef2f2;
    --warning: #e8920a;
    --warning-light: #fff8ed;
    --text-dark: #102030;
    --text-mid: #1a4a5a;
    --text-muted: #6a8a9a;
    --text-light: #9ab4c0;
    --border: #cce0ea;
    --border-focus: #0077a0;
    --bg-white: #ffffff;
    --bg-light: #eef4f7;
    --bg-subtle: #e4eff5;
    --radius: 12px;
    --radius-sm: 8px;
    --radius-lg: 16px;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow: 0 4px 16px rgba(0,0,0,0.10);
    --shadow-lg: 0 10px 40px rgba(0,0,0,0.14);
    --transition: 0.18s ease;
    --font: 'Inter', system-ui, -apple-system, sans-serif;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: var(--font);
    color: var(--text-dark);
    background: var(--bg-white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

/* ======== LAYOUT ======== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-alt { background: var(--bg-light); }

/* ======== HEADER ======== */
.site-header {
    background: var(--bg-white);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: var(--shadow-sm);
}
.header-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    height: 68px;
    display: flex;
    align-items: center;
    gap: 32px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: inherit;
    flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; }
.logo-main { font-size: 20px; font-weight: 800; color: var(--primary); line-height: 1.2; letter-spacing: -0.5px; }
.logo-sub { font-size: 10px; color: var(--text-muted); font-weight: 600; letter-spacing: 0.8px; text-transform: uppercase; }
.header-nav { display: flex; gap: 4px; flex: 1; }
.nav-link {
    padding: 8px 14px;
    color: var(--text-mid);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    border-radius: var(--radius-sm);
    transition: background var(--transition), color var(--transition);
}
.nav-link:hover { background: var(--bg-light); color: var(--primary); }
.header-cta { margin-left: auto; }
.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    flex-direction: column;
    gap: 5px;
    margin-left: auto;
}
.mobile-menu-toggle span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--text-dark);
    border-radius: 2px;
    transition: var(--transition);
}
.mobile-nav {
    display: none;
    background: var(--bg-white);
    border-top: 1px solid var(--border);
    padding: 16px 24px 20px;
    flex-direction: column;
    gap: 4px;
}
.mobile-nav.open { display: flex; }
.mobile-nav .nav-link { padding: 12px 16px; }
.mobile-nav .btn { margin-top: 12px; text-align: center; }

/* ======== BUTTONS ======== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 28px;
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-weight: 600;
    text-decoration: none;
    border: 2px solid transparent;
    cursor: pointer;
    transition: all var(--transition);
    white-space: nowrap;
    line-height: 1;
}
.btn-primary {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
}
.btn-primary:hover {
    background: var(--primary-dark);
    border-color: var(--primary-dark);
    box-shadow: 0 4px 16px rgba(232,146,10,0.35);
    transform: translateY(-1px);
}
.btn-outline {
    background: transparent;
    color: var(--primary);
    border-color: var(--primary);
}
.btn-outline:hover { background: var(--primary-light); }
.btn-large { padding: 16px 40px; font-size: 17px; border-radius: var(--radius); }
.btn-xl { padding: 20px 52px; font-size: 18px; font-weight: 700; border-radius: var(--radius); }
.w-full { width: 100%; }

/* ======== HERO ======== */
.hero {
    background: linear-gradient(135deg, #102030 0%, #0077a0 50%, #005f80 75%, #00b4d8 100%);
    color: white;
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}
.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.15);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.25);
    padding: 6px 16px;
    border-radius: 100px;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    margin-bottom: 20px;
}
.hero h1 {
    font-size: clamp(32px, 5vw, 56px);
    font-weight: 800;
    line-height: 1.1;
    margin-bottom: 24px;
    letter-spacing: -1px;
}
.hero h1 span { color: #93c5fd; }
.hero-sub {
    font-size: 18px;
    line-height: 1.7;
    color: rgba(255,255,255,0.85);
    margin-bottom: 36px;
    max-width: 500px;
}
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
.btn-hero {
    background: white;
    color: var(--primary);
    padding: 18px 48px;
    font-size: 17px;
    font-weight: 700;
    border-radius: var(--radius);
    border: none;
    cursor: pointer;
    transition: all var(--transition);
    box-shadow: 0 8px 32px rgba(0,0,0,0.2);
}
.btn-hero:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 40px rgba(0,0,0,0.3);
}
.btn-hero-outline {
    background: transparent;
    color: white;
    border: 2px solid rgba(255,255,255,0.5);
    padding: 18px 32px;
    font-size: 17px;
    font-weight: 600;
    border-radius: var(--radius);
    cursor: pointer;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    transition: all var(--transition);
}
.btn-hero-outline:hover { background: rgba(255,255,255,0.1); border-color: white; }
.hero-stats { display: flex; gap: 32px; flex-wrap: wrap; }
.hero-stat { text-align: center; }
.hero-stat .number { font-size: 28px; font-weight: 800; display: block; }
.hero-stat .label { font-size: 12px; color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 0.5px; }

/* Hero Card */
.hero-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: var(--shadow-lg);
}
.hero-card h3 { font-size: 20px; font-weight: 700; color: var(--text-dark); margin-bottom: 6px; }
.hero-card p { color: var(--text-muted); font-size: 14px; margin-bottom: 24px; }
.hero-form .form-group { margin-bottom: 16px; }
.hero-form label { display: block; font-size: 13px; font-weight: 600; color: var(--text-mid); margin-bottom: 6px; }
.hero-form select, .hero-form input {
    width: 100%;
    padding: 12px 14px;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 15px;
    color: var(--text-dark);
    background: var(--bg-white);
    transition: border-color var(--transition);
    outline: none;
    font-family: var(--font);
}
.hero-form select:focus, .hero-form input:focus { border-color: var(--primary); }
.hero-form .btn { width: 100%; padding: 16px; font-size: 16px; margin-top: 8px; }
.hero-form .trust-line {
    text-align: center;
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 12px;
}

/* ======== TRUST BAR ======== */
.trust-bar {
    background: var(--bg-light);
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    padding: 20px 0;
}
.trust-bar-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 0;
    flex-wrap: wrap;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-mid);
    padding: 6px 20px;
}
.trust-divider {
    border-left: 1px solid var(--border);
}
.trust-icon { font-size: 16px; }

/* ======== SECTIONS ======== */
.section-header { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.section-tag {
    display: inline-block;
    background: var(--primary-light);
    color: var(--primary);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 14px;
    border-radius: 100px;
    margin-bottom: 14px;
}
.section-header h2 { font-size: clamp(26px, 4vw, 42px); font-weight: 800; letter-spacing: -0.5px; margin-bottom: 16px; }
.section-header p { font-size: 17px; color: var(--text-muted); line-height: 1.7; }

/* ======== STEPS ======== */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.step-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 36px 28px;
    text-align: center;
    position: relative;
    transition: box-shadow var(--transition), transform var(--transition);
}
.step-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.step-number {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--primary-light);
    color: var(--primary);
    font-size: 22px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
}
.step-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; }
.step-card p { color: var(--text-muted); font-size: 14px; line-height: 1.6; }

/* ======== RATES ======== */
.rates-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.rate-card {
    background: white;
    border: 2px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    text-align: center;
    transition: all var(--transition);
}
.rate-card.featured {
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(0,119,160,0.1);
}
.rate-badge {
    display: inline-block;
    background: var(--primary);
    color: white;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 12px;
    border-radius: 100px;
    margin-bottom: 16px;
}
.rate-value { font-size: 48px; font-weight: 800; color: var(--primary); letter-spacing: -2px; }
.rate-label { font-size: 13px; color: var(--text-muted); margin: 6px 0 16px; }
.rate-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 8px; }
.rate-card p { font-size: 14px; color: var(--text-muted); line-height: 1.5; }
.rate-features { list-style: none; margin: 20px 0; text-align: left; }
.rate-features li {
    padding: 8px 0;
    font-size: 14px;
    color: var(--text-mid);
    border-bottom: 1px solid var(--border);
    display: flex;
    align-items: center;
    gap: 8px;
}
.rate-features li:last-child { border-bottom: none; }
.rate-features li::before { content: '✓'; color: var(--accent); font-weight: 700; }

/* ======== TESTIMONIALS ======== */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
    background: white;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 28px;
}
.stars { color: #f59e0b; font-size: 18px; margin-bottom: 12px; }
.testimonial-text { font-size: 15px; color: var(--text-mid); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--primary-light);
    color: var(--primary);
    font-weight: 700;
    font-size: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.author-name { font-weight: 700; font-size: 14px; }
.author-loc { font-size: 12px; color: var(--text-muted); }

/* ======== FAQ ======== */
.faq-list { max-width: 720px; margin: 0 auto; }
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 12px;
    overflow: hidden;
}
.faq-question {
    width: 100%;
    background: white;
    border: none;
    padding: 20px 24px;
    text-align: left;
    font-size: 16px;
    font-weight: 600;
    color: var(--text-dark);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    transition: background var(--transition);
}
.faq-question:hover { background: var(--bg-light); }
.faq-question.open { background: var(--primary-light); color: var(--primary); }
.faq-chevron { transition: transform 0.2s; font-size: 18px; }
.faq-question.open .faq-chevron { transform: rotate(180deg); }
.faq-answer { display: none; padding: 0 24px 20px; color: var(--text-muted); font-size: 15px; line-height: 1.7; }
.faq-answer.open { display: block; }

/* ======== CTA SECTION ======== */
.cta-section {
    background: linear-gradient(135deg, #102030, #0077a0);
    color: white;
    text-align: center;
    padding: 80px 24px;
}
.cta-section h2 { font-size: clamp(28px, 5vw, 46px); font-weight: 800; margin-bottom: 16px; }
.cta-section p { font-size: 18px; color: rgba(255,255,255,0.8); margin-bottom: 36px; }

/* ======== FORM MULTI-STEP ======== */
.apply-page { min-height: 100vh; background: var(--bg-light); }
.apply-header {
    background: var(--bg-white);
    border-bottom: 1px solid var(--border);
    padding: 20px 24px;
    text-align: center;
}
.apply-header .logo { justify-content: center; display: flex; }
.progress-container { background: white; border-bottom: 1px solid var(--border); padding: 16px 24px; }
.progress-inner { max-width: 640px; margin: 0 auto; }
.progress-label {
    display: flex;
    justify-content: space-between;
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 8px;
}
.progress-bar-outer {
    height: 6px;
    background: var(--bg-subtle);
    border-radius: 100px;
    overflow: hidden;
}
.progress-bar-inner {
    height: 100%;
    background: linear-gradient(90deg, var(--accent), #f5c040);
    border-radius: 100px;
    transition: width 0.4s ease;
}

.form-container {
    max-width: 640px;
    margin: 0 auto;
    padding: 40px 24px 80px;
}

/* Form Steps */
.form-step { display: none; animation: fadeInUp 0.3s ease; }
.form-step.active { display: block; }
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}
.step-question {
    font-size: clamp(24px, 4vw, 34px);
    font-weight: 800;
    color: var(--text-dark);
    letter-spacing: -0.5px;
    line-height: 1.2;
    margin-bottom: 8px;
}
.step-subtext { font-size: 15px; color: var(--text-muted); margin-bottom: 32px; }

/* Choice Cards */
.choice-list { display: flex; flex-direction: column; gap: 12px; }
.choice-item { position: relative; }
.choice-item input[type="radio"] { position: absolute; opacity: 0; }
.choice-label {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 18px 20px;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    cursor: pointer;
    background: white;
    transition: all var(--transition);
    font-size: 15px;
    font-weight: 500;
}
.choice-label:hover { border-color: var(--primary); background: var(--primary-light); }
.choice-item input[type="radio"]:checked + .choice-label {
    border-color: var(--primary);
    background: var(--primary-light);
    color: var(--primary);
    font-weight: 600;
}
.choice-radio {
    width: 22px;
    height: 22px;
    border: 2px solid var(--border);
    border-radius: 50%;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition);
}
.choice-item input[type="radio"]:checked + .choice-label .choice-radio {
    border-color: var(--primary);
    background: var(--primary);
}
.choice-item input[type="radio"]:checked + .choice-label .choice-radio::after {
    content: '';
    width: 8px;
    height: 8px;
    background: white;
    border-radius: 50%;
    display: block;
}
.choice-sub { font-size: 13px; color: var(--text-muted); margin-left: auto; }

/* Text Inputs */
.input-field {
    width: 100%;
    padding: 16px 18px;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    font-size: 16px;
    color: var(--text-dark);
    background: white;
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
    font-family: var(--font);
    appearance: none;
}
.input-field:focus { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(0,119,160,0.1); }
.input-field.error { border-color: var(--danger); box-shadow: 0 0 0 4px rgba(220,38,38,0.08); }
.input-field::placeholder { color: var(--text-light); }

.input-group { position: relative; }
.input-prefix, .input-suffix {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-muted);
    font-size: 15px;
    font-weight: 600;
    pointer-events: none;
}
.input-prefix { left: 18px; }
.input-suffix { right: 18px; }
.input-field.has-prefix { padding-left: 36px; }
.input-field.has-suffix { padding-right: 36px; }

.form-row { display: grid; gap: 16px; }
.form-row-2 { grid-template-columns: 1fr 1fr; }
.form-row-3 { grid-template-columns: 1fr 1fr 1fr; }

.field-label { display: block; font-size: 13px; font-weight: 600; color: var(--text-mid); margin-bottom: 8px; }
.field-error { font-size: 12px; color: var(--danger); margin-top: 6px; display: none; }
.field-error.show { display: block; }

/* Navigation Buttons */
.form-nav { display: flex; gap: 12px; margin-top: 32px; }
.btn-back {
    background: none;
    border: 2px solid var(--border);
    color: var(--text-mid);
    border-radius: var(--radius);
    padding: 14px 28px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
    font-family: var(--font);
}
.btn-back:hover { border-color: var(--text-mid); background: var(--bg-subtle); }
.btn-next {
    flex: 1;
    background: var(--accent);
    border: none;
    color: white;
    border-radius: var(--radius);
    padding: 16px 32px;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: all var(--transition);
    font-family: var(--font);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.btn-next:hover { background: var(--accent-dark); box-shadow: 0 4px 16px rgba(232,146,10,0.4); transform: translateY(-1px); }
.btn-next:disabled { opacity: 0.6; cursor: not-allowed; transform: none; box-shadow: none; }
.btn-submit {
    background: var(--accent);
    border-color: var(--accent);
}
.btn-submit:hover { background: var(--accent-dark); box-shadow: 0 4px 16px rgba(232,146,10,0.35); }

/* Consent Block */
.consent-block {
    background: var(--bg-light);
    border: 2px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 24px;
    transition: border-color var(--transition);
}
.consent-block.error { border-color: var(--danger); background: var(--danger-light); }
.consent-items { list-style: none; display: flex; flex-direction: column; gap: 16px; margin-bottom: 20px; }
.consent-items li { font-size: 13px; color: var(--text-mid); line-height: 1.6; padding-left: 28px; position: relative; }
.consent-items li::before {
    content: '⬤';
    position: absolute;
    left: 0;
    top: 2px;
    font-size: 8px;
    color: var(--primary);
}
.consent-items li strong { color: var(--text-dark); }
.consent-items a { color: var(--primary); }
.consent-check-row {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 14px;
    background: white;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border);
    cursor: pointer;
}
.consent-check-row:hover { border-color: var(--primary); }
.consent-checkbox-input {
    width: 22px;
    height: 22px;
    flex-shrink: 0;
    accent-color: var(--primary);
    margin-top: 1px;
    cursor: pointer;
}
.consent-text { font-size: 13px; color: var(--text-mid); line-height: 1.6; }
.consent-error {
    font-size: 13px;
    color: var(--danger);
    font-weight: 600;
    margin-top: 10px;
    display: none;
}
.consent-error.show { display: block; }

/* Currency Input */
.currency-display {
    font-size: 42px;
    font-weight: 800;
    color: var(--text-dark);
    text-align: center;
    margin: 20px 0;
    letter-spacing: -2px;
}
.slider-input {
    width: 100%;
    height: 6px;
    border-radius: 100px;
    appearance: none;
    background: linear-gradient(to right, var(--primary) 0%, var(--bg-subtle) 0%);
    outline: none;
    margin: 8px 0;
    cursor: pointer;
}
.slider-input::-webkit-slider-thumb {
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary);
    box-shadow: 0 2px 8px rgba(0,119,160,0.4);
    cursor: pointer;
    transition: box-shadow var(--transition);
}
.slider-input::-webkit-slider-thumb:hover { box-shadow: 0 2px 12px rgba(0,119,160,0.5); }
.slider-labels { display: flex; justify-content: space-between; font-size: 12px; color: var(--text-muted); }

/* SSN Field */
.ssn-field { position: relative; }
.ssn-toggle {
    position: absolute;
    right: 16px;
    top: 50%;
    transform: translateY(-50%);
    background: none;
    border: none;
    cursor: pointer;
    color: var(--text-muted);
    font-size: 18px;
    padding: 4px;
    font-family: var(--font);
    transition: color var(--transition);
}
.ssn-toggle:hover { color: var(--primary); }

/* Form Security */
.form-security {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 16px;
    justify-content: center;
}

/* ======== THANK YOU PAGE ======== */
.thankyou-page {
    min-height: 100vh;
    background: linear-gradient(135deg, #f0f7ff 0%, #e8f4fd 100%);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 40px 24px;
}
.thankyou-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 52px 48px;
    max-width: 620px;
    width: 100%;
    text-align: center;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border);
}
.ty-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #dcfce7, #bbf7d0);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 36px;
    margin: 0 auto 28px;
    animation: popIn 0.5s ease;
}
@keyframes popIn {
    0% { transform: scale(0); }
    70% { transform: scale(1.15); }
    100% { transform: scale(1); }
}
.ty-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: var(--primary-light);
    color: var(--primary);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 14px;
    border-radius: 100px;
    margin-bottom: 16px;
}
.thankyou-card h1 { font-size: 30px; font-weight: 800; color: var(--text-dark); margin-bottom: 12px; letter-spacing: -0.5px; }
.thankyou-card .subtitle { font-size: 16px; color: var(--text-muted); margin-bottom: 32px; line-height: 1.6; }

.matching-animation {
    background: var(--bg-light);
    border-radius: var(--radius);
    padding: 28px;
    margin-bottom: 32px;
}
.matching-label { font-size: 13px; font-weight: 600; color: var(--text-muted); margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.5px; }
.lender-list { display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.lender-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: white;
    border-radius: var(--radius-sm);
    padding: 12px 16px;
    border: 1px solid var(--border);
}
.lender-name { font-weight: 600; font-size: 14px; }
.lender-status {
    font-size: 12px;
    padding: 3px 10px;
    border-radius: 100px;
    font-weight: 600;
}
.status-checking { background: #fffbeb; color: #d97706; }
.status-matched { background: #dcfce7; color: #15803d; }
.status-pending { background: var(--bg-subtle); color: var(--text-muted); }

.matching-spinner {
    width: 48px;
    height: 48px;
    border: 4px solid var(--border);
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: spin 1s linear infinite;
    margin: 0 auto;
}
@keyframes spin { to { transform: rotate(360deg); } }

.ty-timer { font-size: 13px; color: var(--text-muted); margin-top: 8px; }
.ty-steps { text-align: left; display: flex; flex-direction: column; gap: 12px; margin-bottom: 24px; }
.ty-step {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 14px;
    color: var(--text-mid);
}
.ty-step-num {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--primary);
    color: white;
    font-size: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

/* ======== FOOTER ======== */
.site-footer { background: #111827; color: rgba(255,255,255,0.7); }
.footer-inner { max-width: 1200px; margin: 0 auto; padding: 60px 24px 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 40px; margin-bottom: 40px; }
.footer-brand .logo { color: white; margin-bottom: 12px; }
.footer-brand .logo-main { color: white; }
.footer-brand .lw-dk { color: rgba(255,255,255,0.95); }
.footer-brand .lw-am { color: #ffc14d; }
.footer-desc { font-size: 14px; line-height: 1.7; margin-bottom: 16px; }
.trust-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.badge-item {
    font-size: 11px;
    background: rgba(255,255,255,0.1);
    padding: 4px 10px;
    border-radius: 100px;
    font-weight: 600;
}
.footer-links h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 16px; letter-spacing: 0.5px; text-transform: uppercase; }
.footer-links ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-links a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 14px; transition: color var(--transition); }
.footer-links a:hover { color: white; }
.footer-disclaimer {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 28px 0;
    font-size: 12px;
    line-height: 1.7;
    color: rgba(255,255,255,0.45);
}
.footer-disclaimer p { margin-bottom: 10px; }
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 20px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 13px;
    color: rgba(255,255,255,0.4);
}
.footer-legal-links { display: flex; gap: 20px; }
.footer-legal-links a { color: rgba(255,255,255,0.4); text-decoration: none; font-size: 13px; transition: color var(--transition); }
.footer-legal-links a:hover { color: rgba(255,255,255,0.7); }

/* ======== UTILITIES ======== */
.text-center { text-align: center; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mb-0 { margin-bottom: 0; }
.hidden { display: none !important; }

/* ======== RESPONSIVE ======== */
@media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; text-align: center; }
    .hero-card { max-width: 420px; margin: 0 auto; }
    .hero-sub { margin: 0 auto 36px; }
    .hero-ctas { justify-content: center; }
    .hero-stats { justify-content: center; }
    .steps-grid, .rates-grid, .testimonials-grid { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    .header-nav { display: none; }
    .header-cta { display: none; }
    .mobile-menu-toggle { display: flex; }
    .section { padding: 56px 0; }
    .steps-grid, .rates-grid, .testimonials-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .form-row-2, .form-row-3 { grid-template-columns: 1fr; }
    .thankyou-card { padding: 36px 24px; }
    .trust-bar-inner { gap: 20px; }
    .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
}

@media (max-width: 480px) {
    .hero { padding: 48px 0 60px; }
    .hero h1 { font-size: 30px; }
    .btn-hero { width: 100%; }
    .form-nav { flex-direction: column-reverse; }
    .btn-back { order: 2; }
    .btn-next { order: 1; }
}

/* ======================================================== */
/* ══ APPLY PAGE v2 — SPLIT LAYOUT ══                       */
/* ======================================================== */

/* ── Topbar ── */
.apply-topbar {
    position: sticky;
    top: 0;
    z-index: 100;
    background: white;
    border-bottom: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 14px 24px;
    gap: 16px;
}
.apply-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    flex-shrink: 0;
}
.apply-logo span {
    font-size: 17px;
    font-weight: 800;
    color: var(--primary);
    font-family: 'Plus Jakarta Sans', var(--font);
    letter-spacing: -0.5px;
}
.apply-topbar-trust {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-wrap: wrap;
}
.topbar-badge {
    font-size: 12px;
    font-weight: 600;
    color: var(--accent);
    background: #ecfdf5;
    border: 1px solid #a7f3d0;
    border-radius: 100px;
    padding: 4px 12px;
    white-space: nowrap;
}
.topbar-badge-hide { display: none; }
.topbar-back {
    font-size: 13px;
    color: var(--text-muted);
    text-decoration: none;
    white-space: nowrap;
    flex-shrink: 0;
    transition: color var(--transition);
}
.topbar-back:hover { color: var(--primary); }

/* ── Split wrapper ── */
.apply-split {
    display: grid;
    grid-template-columns: 380px 1fr;
    min-height: calc(100vh - 57px);
    align-items: start;
}

/* ── Left Sidebar ── */
.apply-sidebar {
    background: linear-gradient(160deg, #0a2535 0%, #1a4a5a 60%, #1a6070 100%);
    color: white;
    position: sticky;
    top: 57px;
    height: calc(100vh - 57px);
    overflow-y: auto;
    scrollbar-width: thin;
    scrollbar-color: rgba(255,255,255,0.2) transparent;
}
.sidebar-inner {
    padding: 36px 28px 40px;
    display: flex;
    flex-direction: column;
    gap: 28px;
}

/* Dynamic message block */
.sidebar-msg {}
.sidebar-msg-icon { font-size: 32px; margin-bottom: 12px; display: block; }
.sidebar-msg-title {
    font-size: 20px;
    font-weight: 800;
    color: white;
    line-height: 1.25;
    margin-bottom: 10px;
    font-family: 'Plus Jakarta Sans', var(--font);
    letter-spacing: -0.3px;
}
.sidebar-msg-body {
    font-size: 14px;
    color: rgba(255,255,255,0.78);
    line-height: 1.65;
}

/* Benefits checklist */
.sidebar-benefits {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 11px;
    border-top: 1px solid rgba(255,255,255,0.12);
    padding-top: 24px;
}
.sidebar-benefits li {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    font-size: 13.5px;
    color: rgba(255,255,255,0.88);
    line-height: 1.45;
}
.sb-check {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    background: rgba(232,146,10,0.9);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
    font-weight: 800;
    color: white;
    margin-top: 1px;
}

/* Live social proof */
.sidebar-activity {
    display: flex;
    align-items: center;
    gap: 10px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.14);
    border-radius: var(--radius-sm);
    padding: 12px 16px;
    font-size: 13px;
    color: rgba(255,255,255,0.85);
}
.sidebar-activity strong { color: white; font-size: 15px; }
.activity-dot {
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: #34d399;
    flex-shrink: 0;
    animation: pulse-dot 1.8s infinite;
}
@keyframes pulse-dot {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.6; transform: scale(0.8); }
}

/* Testimonial */
.sidebar-testimonial {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius);
    padding: 18px 20px;
}
.st-stars { color: #fbbf24; font-size: 13px; margin-bottom: 8px; letter-spacing: 1px; }
.st-quote {
    font-size: 13.5px;
    color: rgba(255,255,255,0.9);
    line-height: 1.55;
    font-style: italic;
    margin-bottom: 14px;
}
.st-author {
    display: flex;
    align-items: center;
    gap: 12px;
}
.st-avatar {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: var(--primary);
    color: white;
    font-weight: 800;
    font-size: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    border: 2px solid rgba(255,255,255,0.25);
}
.st-author strong {
    display: block;
    font-size: 13px;
    color: white;
    font-weight: 700;
}
.st-author span {
    font-size: 11.5px;
    color: rgba(255,255,255,0.6);
}

/* Progress info */
.sidebar-progress-info {
    border-top: 1px solid rgba(255,255,255,0.12);
    padding-top: 20px;
}
.spi-label {
    font-size: 11px;
    font-weight: 700;
    color: rgba(255,255,255,0.5);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 10px;
}
.spi-bar-wrap {
    height: 4px;
    background: rgba(255,255,255,0.15);
    border-radius: 100px;
    margin-bottom: 14px;
    overflow: hidden;
}
.spi-bar {
    height: 100%;
    background: linear-gradient(90deg, var(--accent), #f5c040);
    border-radius: 100px;
    transition: width 0.5s ease;
}
.spi-steps {
    display: flex;
    gap: 4px;
    flex-wrap: wrap;
}
.spi-step {
    font-size: 10.5px;
    font-weight: 600;
    color: rgba(255,255,255,0.4);
    padding: 4px 9px;
    border-radius: 100px;
    border: 1px solid rgba(255,255,255,0.15);
    transition: all 0.3s ease;
    white-space: nowrap;
}
.spi-step.done {
    background: rgba(52,211,153,0.15);
    border-color: rgba(52,211,153,0.4);
    color: #34d399;
}
.spi-step.active {
    background: rgba(255,255,255,0.12);
    border-color: rgba(255,255,255,0.35);
    color: white;
    font-weight: 700;
}

/* Security seals */
.sidebar-seals {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    border-top: 1px solid rgba(255,255,255,0.12);
    padding-top: 20px;
}
.seal-item {
    font-size: 11px;
    color: rgba(255,255,255,0.55);
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 6px;
    padding: 5px 10px;
    white-space: nowrap;
}

/* ── Right: Form Area ── */
.apply-form-area {
    background: #f8fafc;
    display: flex;
    flex-direction: column;
    min-height: calc(100vh - 57px);
}

/* Progress bar inside form area */
.apply-progress-wrap {
    background: white;
    border-bottom: 1px solid var(--border);
    padding: 14px 40px;
}
.apply-progress-labels {
    display: flex;
    justify-content: space-between;
    font-size: 12.5px;
    color: var(--text-muted);
    margin-bottom: 8px;
    font-weight: 500;
}
.apply-progress-outer {
    height: 6px;
    background: var(--bg-subtle);
    border-radius: 100px;
    overflow: hidden;
}
.apply-progress-inner {
    height: 100%;
    background: linear-gradient(90deg, var(--accent), #f5c040);
    border-radius: 100px;
    transition: width 0.5s ease;
}

/* Form container override for new layout */
.apply-form-area .form-container {
    max-width: 620px;
    margin: 0 auto;
    padding: 40px 40px 80px;
    width: 100%;
}

/* ── Step decorations ── */
.step-badge {
    display: inline-block;
    font-size: 11.5px;
    font-weight: 700;
    color: var(--primary);
    background: var(--primary-light);
    border-radius: 100px;
    padding: 4px 12px;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.req { color: var(--danger); font-weight: 700; margin-left: 2px; }
.field-hint {
    font-size: 12px;
    color: var(--text-muted);
    margin: 4px 0 8px;
    line-height: 1.5;
}
.field-hint-inline {
    font-size: 12px;
    font-weight: 400;
    color: var(--text-muted);
}

/* Field stack */
.fields-stack {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-bottom: 8px;
}
.field-group { display: flex; flex-direction: column; }

/* Custom select wrapper */
.select-wrap {
    position: relative;
}
.select-arrow {
    position: absolute;
    right: 16px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 14px;
    color: var(--text-muted);
    pointer-events: none;
}
.select-field {
    appearance: none;
    -webkit-appearance: none;
    cursor: pointer;
    padding-right: 40px;
    background: white;
}
.select-field:focus { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(0,119,160,0.1); }
.select-field.error { border-color: var(--danger); box-shadow: 0 0 0 4px rgba(220,38,38,0.08); }

/* Full-width button */
.btn-full {
    width: 100%;
    justify-content: center;
}

/* Consent block extras */
.consent-title {
    font-size: 14px;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 16px;
}
.submit-disclaimer {
    font-size: 11px;
    color: var(--text-muted);
    text-align: center;
    margin-top: 16px;
    line-height: 1.6;
}

/* Submit spinner */
@keyframes spin { to { transform: rotate(360deg); } }
.spinner {
    display: inline-block;
    width: 16px;
    height: 16px;
    border: 2.5px solid rgba(255,255,255,0.4);
    border-top-color: white;
    border-radius: 50%;
    animation: spin 0.7s linear infinite;
}

/* ── Apply page responsive ── */
@media (max-width: 1024px) {
    .apply-split { grid-template-columns: 320px 1fr; }
    .topbar-badge-hide { display: none; }
}

@media (max-width: 768px) {
    .apply-split { grid-template-columns: 1fr; }
    .apply-sidebar { display: none; }
    .apply-form-area .form-container { padding: 28px 20px 60px; }
    .apply-progress-wrap { padding: 12px 20px; }
    .apply-topbar-trust { display: none; }
    .topbar-back { font-size: 12px; }
    .form-row-2 { grid-template-columns: 1fr; }
    .form-row-3 { grid-template-columns: 1fr; }
}

@media (min-width: 1200px) {
    .topbar-badge-hide { display: inline-block; }
    .sidebar-inner { padding: 40px 32px 48px; }
}

/* ════════════════════════════════════════
   MORTGAGE STATUS CARDS (3-card picker)
   ════════════════════════════════════════ */
.mortgage-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
}
.mort-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    padding: 18px 12px;
    border: 2px solid var(--border);
    border-radius: 14px;
    cursor: pointer;
    transition: border-color 0.18s, background 0.18s, box-shadow 0.18s;
    background: var(--bg-light);
    text-align: center;
    user-select: none;
}
.mort-card:hover {
    border-color: var(--primary);
    background: rgba(0,119,160,0.04);
}
.mort-card.selected {
    border-color: var(--primary);
    background: rgba(0,119,160,0.07);
    box-shadow: 0 0 0 4px rgba(0,119,160,0.1);
}
.mc-icon { font-size: 26px; line-height: 1; }
.mc-title { font-size: 13px; font-weight: 700; color: var(--text-dark); }
.mc-sub { font-size: 11px; color: var(--text-muted); }

/* ════════════════════════════════════════
   CREDIT SCORE VISUAL CARDS
   ════════════════════════════════════════ */
.credit-score-cards {
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.cs-card {
    display: flex;
    align-items: center;
    gap: 0;
    border: 2px solid var(--border);
    border-radius: 12px;
    cursor: pointer;
    overflow: hidden;
    transition: border-color 0.18s, box-shadow 0.18s;
    background: #fff;
    user-select: none;
}
.cs-card:hover { border-color: var(--primary); }
.cs-card.selected {
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(0,119,160,0.1);
}
.cs-bar {
    width: 6px;
    align-self: stretch;
    flex-shrink: 0;
    border-radius: 0;
}
.cs-body {
    flex: 1;
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 16px;
}
.cs-score {
    font-size: 18px;
    font-weight: 800;
    color: var(--text-dark);
    min-width: 68px;
    font-family: var(--font-heading);
}
.cs-label {
    font-size: 14px;
    font-weight: 700;
    color: var(--text-dark);
    min-width: 90px;
}
.cs-note {
    font-size: 12px;
    color: var(--text-muted);
    flex: 1;
}
.cs-check {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--primary);
    color: #fff;
    font-size: 12px;
    display: none;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    margin-right: 16px;
    flex-shrink: 0;
}
.cs-card.selected .cs-check { display: flex; }

/* ════════════════════════════════════════
   YES / NO VISUAL CARDS
   ════════════════════════════════════════ */
.yn-cards {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}
.yn-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    padding: 22px 16px;
    border: 2px solid var(--border);
    border-radius: 14px;
    cursor: pointer;
    transition: border-color 0.18s, background 0.18s, box-shadow 0.18s;
    background: var(--bg-light);
    text-align: center;
    user-select: none;
}
.yn-card:hover {
    border-color: var(--primary);
    background: rgba(0,119,160,0.04);
}
.yn-card.selected {
    border-color: var(--primary);
    background: rgba(0,119,160,0.07);
    box-shadow: 0 0 0 4px rgba(0,119,160,0.1);
}
.yn-card.yn-yes.selected {
    border-color: #10b981;
    background: rgba(16, 185, 129, 0.07);
    box-shadow: 0 0 0 4px rgba(16, 185, 129, 0.1);
}
.yn-icon { font-size: 28px; line-height: 1; }
.yn-label { font-size: 16px; font-weight: 800; color: var(--text-dark); font-family: var(--font-heading); }
.yn-sub { font-size: 11px; color: var(--text-muted); }

/* ════════════════════════════════════════
   SSN DISPLAY INPUT & LOCK ICON
   ════════════════════════════════════════ */
.ssn-lock-icon {
    position: absolute;
    right: 16px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 18px;
    pointer-events: none;
    opacity: 0.5;
}
.ssn-display-input {
    letter-spacing: 0.12em;
    font-family: 'Courier New', Courier, monospace;
    font-size: 18px;
    font-weight: 600;
    padding-right: 48px;
}
.ssn-display-input::placeholder {
    font-family: var(--font);
    font-size: 15px;
    font-weight: 400;
    letter-spacing: normal;
}

/* ════════════════════════════════════════
   RESPONSIVE CARDS
   ════════════════════════════════════════ */
@media (max-width: 640px) {
    .mortgage-cards { grid-template-columns: 1fr; }
    .cs-body { flex-wrap: wrap; gap: 6px; }
    .cs-score { min-width: auto; }
    .cs-note { display: none; }
    .yn-cards { gap: 10px; }
}