:root {
    --primary: #0A2E82;
    --primary-light: #EBF2FA;
    --secondary: #0047BA;
    --warning: #FFC107;
    --warning-hover: #E0A800;
    --text-main: #1C2033;
    --text-muted: #6B7280;
    --bg-main: #F9FAFB;
    --white: #FFFFFF;
    --border: #E5E7EB;
    --radius-sm: 8px;
    --radius-md: 16px;
    --radius-lg: 24px;
    --shadow-sm: 0 2px 10px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 10px 30px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 20px 40px rgba(0, 0, 0, 0.12);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Outfit', sans-serif;
    color: var(--text-main);
    background-color: var(--bg-main);
    line-height: 1.4;
    -webkit-font-smoothing: antialiased;
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-family: 'Outfit', sans-serif;
    font-weight: 700;
    line-height: 1.15;
    color: var(--primary);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

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

.text-warning {
    color: var(--warning);
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-family: 'Outfit', sans-serif;
    cursor: pointer;
    transition: all 0.2s ease;
    border: none;
    text-decoration: none;
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border: 1px solid var(--white);
}

.btn-outline:hover {
    background: rgba(255, 255, 255, 0.1);
}

.btn-warning {
    background: var(--warning);
    color: var(--text-main);
    flex-direction: column;
    padding: 14px 32px;
}

.btn-warning small {
    font-weight: 500;
    font-size: 0.8rem;
    margin-top: 4px;
}

.btn-warning:hover {
    background: var(--warning-hover);
    transform: translateY(-2px);
}

.btn-primary {
    background: var(--warning);
    color: var(--text-main);
    font-size: 1rem;
    padding: 16px;
    border-radius: var(--radius-sm);
    font-weight: 700;
}

.btn-primary:hover {
    background: var(--warning-hover);
}

.btn-block {
    width: 100%;
}

/* Header */
.header {
    background-color: var(--primary);
    color: var(--white);
    padding: 16px 0;
}

.header-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 24px;
}

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

.logo i {
    font-size: 32px;
    color: var(--warning);
}

.logo h1 {
    color: var(--white);
    font-size: 1.25rem;
    margin-bottom: 2px;
}

.logo p {
    font-size: 0.8rem;
    opacity: 0.9;
}

.logo-icon {
    background: var(--white);
    color: var(--primary);
    width: 48px;
    height: 48px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.logo-icon i {
    font-size: 28px;
    color: var(--warning);
}

.header-features {
    display: flex;
    gap: 32px;
    flex: 1;
    justify-content: center;
}

.header-features .feature-item {
    display: flex;
    align-items: center;
    gap: 10px;
}

.header-features i {
    font-size: 24px;
    color: var(--warning);
}

.header-features strong {
    display: block;
    font-size: 0.9rem;
}

.header-features p {
    font-size: 0.75rem;
    opacity: 0.8;
}

/* Hero */
.hero {
    padding: 60px 0 0;
    position: relative;
    overflow: clip;
}

.hero-container {
    display: grid;
    grid-template-columns: 1.4fr 0.85fr 400px;
    gap: 20px;
    align-items: center;
    position: relative;
}

.hero-content {
    max-width: 100%;
    z-index: 2;
}

.badge {
    display: inline-block;
    color: var(--primary);
    font-weight: 700;
    font-family: 'Outfit', sans-serif;
    margin-bottom: 12px;
    font-size: 0.95rem;
}

.hero h2 {
    font-size: 2.1rem;
    margin-bottom: 16px;
    color: var(--text-main);
}

.hero h2 span {
    color: var(--secondary);
}

.hero p {
    color: var(--text-muted);
    font-size: 1rem;
    margin-bottom: 24px;
    line-height: 1.4;
}

.hero-features-compact {
    display: flex;
    align-items: center;
    gap: 20px;
    margin-top: 24px;
    margin-bottom: 40px;
}

.hero-features-compact .feat-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 8px;
}

.hero-features-compact .feat-label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--text-main);
    line-height: 1.25;
}

.hero-features-compact .icon-wrapper {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--primary-light);
    color: var(--secondary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    cursor: pointer;
    transition: all 0.2s ease;
    position: relative;
}

.hero-features-compact .icon-wrapper::after {
    content: attr(data-tooltip);
    position: absolute;
    bottom: -36px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--text-main);
    color: white;
    padding: 6px 12px;
    border-radius: 6px;
    font-size: 0.75rem;
    font-weight: 500;
    white-space: nowrap;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.15s ease, transform 0.15s ease;
    box-shadow: var(--shadow-sm);
    pointer-events: none;
    z-index: 10;
}

.hero-features-compact .icon-wrapper:hover::after {
    opacity: 1;
    visibility: visible;
}

.hero-features-compact .icon-wrapper:hover {
    background: var(--secondary);
    color: white;
    transform: translateY(-2px);
}

.hero-image-wrapper {
    position: relative;
    height: 100%;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    z-index: 1;
}

.hero-image-wrapper {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: flex-end;
}

.hero-image {
    height: 550px;
    width: auto;
    max-width: none;
    object-fit: contain;
    object-position: bottom;
    z-index: 1;
    transform: scale(1.15);
    transform-origin: bottom center;
    position: relative;
}

.hero-bg-shape {
    position: absolute;
    bottom: 0;
    left: 55%;
    transform: translateX(-50%) rotate(-5deg);
    width: 300px;
    height: 480px;
    background: var(--primary);
    border-radius: 40px 150px 20px 40px;
    z-index: 0;
}

.hero-arrow {
    position: absolute;
    bottom: -90px;
    left: 50%;
    transform: translateX(-50%);
    width: 100px;
    height: 100px;
    z-index: 5;
    pointer-events: none;
}

/* Form Card */
.hero-form-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-lg);
    position: relative;
    z-index: 10;
    border: 1px solid var(--border);
}

.form-badge {
    position: absolute;
    top: -40px;
    right: -40px;
    background: var(--warning);
    color: var(--text-main);
    width: 100px;
    height: 100px;
    border-radius: 50%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    font-size: 0.75rem;
    font-weight: 700;
    box-shadow: var(--shadow-md);
}

.form-badge i {
    font-size: 24px;
    margin-bottom: 4px;
}

.hero-form-card h3 {
    font-size: 1.5rem;
    margin-bottom: 8px;
}

.hero-form-card p {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin-bottom: 24px;
}

.form-header {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 0;
}

.form-header-text {
    flex: 1;
}

.form-header-badge {
    display: none;
    align-items: center;
    gap: 10px;
    background: var(--primary-light);
    border: 1px solid rgba(10, 46, 130, 0.12);
    border-radius: var(--radius-sm);
    padding: 10px 14px;
    flex-shrink: 0;
    white-space: nowrap;
}

.form-header-badge i {
    font-size: 22px;
    color: var(--secondary);
}

.form-header-badge strong {
    display: block;
    font-size: 0.85rem;
    color: var(--primary);
    font-weight: 700;
    line-height: 1.2;
}

.form-header-badge span {
    font-size: 0.75rem;
    color: var(--text-muted);
}

.input-group {
    position: relative;
    margin-bottom: 16px;
}

.input-group i {
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-muted);
    font-size: 20px;
}

.input-group input {
    width: 100%;
    padding: 16px 16px 16px 48px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: 'Outfit', sans-serif;
    font-size: 1rem;
    outline: none;
    transition: border-color 0.2s;
}

.input-group input:focus {
    border-color: var(--secondary);
}

.form-footer {
    text-align: center;
    font-size: 0.8rem !important;
    margin-bottom: 0 !important;
    margin-top: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
}

/* Bottom Hero Cards */
.hero-bottom {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 24px;
    margin-top: -30px;
    position: relative;
    z-index: 12;
}

.wellness-card {
    position: relative;
    border: 1.5px solid transparent;
    border-radius: 16px;
    background:
        linear-gradient(rgba(254, 252, 246, 0.95), rgba(254, 252, 246, 0.95)) padding-box,
        var(--wellness-bg, none) no-repeat center / cover padding-box,
        linear-gradient(#FCFAF2, #FCFAF2) padding-box,
        linear-gradient(135deg, #CFAC62 0%, #EDD7A7 25%, #C69C4E 50%, #F8E8C9 75%, #B78D3C 100%) border-box;
    display: flex;
    align-items: center;
    width: 100%;
    max-width: 820px;
    align-self: flex-start;
    padding: 16px 28px 16px 360px;
    gap: 24px;
    box-shadow: 0 10px 30px rgba(207, 172, 98, 0.12), 0 2px 10px rgba(0, 0, 0, 0.02);
    overflow: hidden;
    transition: all 0.3s ease;
    min-height: 140px;
}

.wellness-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 15px 35px rgba(207, 172, 98, 0.18), 0 5px 15px rgba(0, 0, 0, 0.04);
}

.wellness-gift-badge {
    width: 72px;
    height: 72px;
    background-color: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 36px;
    flex-shrink: 0;
    box-shadow: 0 6px 20px rgba(10, 46, 130, 0.25);
    transition: transform 0.3s ease;
    position: absolute;
    left: 28px;
    top: 50%;
    transform: translateY(-50%);
    z-index: 3;
}

.wellness-card:hover .wellness-gift-badge {
    transform: translateY(-50%) scale(1.08) rotate(-10deg);
}

.wellness-visual-img {
    position: absolute;
    left: 80px;
    top: 0;
    height: 100%;
    width: 260px;
    object-fit: cover;
    object-position: left center;
    transition: transform 0.5s ease;
    z-index: 1;
    pointer-events: none;
    -webkit-mask-image: linear-gradient(to right, rgba(0, 0, 0, 0) 0%, rgba(0, 0, 0, 1) 20%, rgba(0, 0, 0, 1) 80%, rgba(0, 0, 0, 0) 100%);
    mask-image: linear-gradient(to right, rgba(0, 0, 0, 0) 0%, rgba(0, 0, 0, 1) 20%, rgba(0, 0, 0, 1) 80%, rgba(0, 0, 0, 0) 100%);
}

.wellness-card:hover .wellness-visual-img {
    transform: scale(1.04);
}

/* Elegant Sparkle elements */
@keyframes shimmer {

    0%,
    100% {
        transform: scale(1) rotate(0deg);
        opacity: 0.7;
    }

    50% {
        transform: scale(1.3) rotate(15deg);
        opacity: 1;
        filter: drop-shadow(0 0 4px rgba(207, 172, 98, 0.6));
    }
}

.wellness-sparkle {
    color: #CFAC62;
    font-size: 1.25rem;
    position: absolute;
    animation: shimmer 3s infinite ease-in-out;
    pointer-events: none;
    user-select: none;
    z-index: 1;
}

.wellness-sparkle-1 {
    top: 15%;
    left: 34%;
    animation-delay: 0s;
}

.wellness-sparkle-2 {
    top: 58%;
    left: 37%;
    animation-delay: 0.8s;
    font-size: 0.95rem;
}

.wellness-sparkle-3 {
    top: 20%;
    right: 5%;
    animation-delay: 1.5s;
    font-size: 1.1rem;
}

.wellness-sparkle-4 {
    top: 62%;
    right: 8%;
    animation-delay: 0.3s;
    font-size: 0.85rem;
}

.wellness-content {
    display: flex;
    flex-direction: column;
    padding: 4px 0;
    position: relative;
    z-index: 2;
    flex-grow: 1;
}

.wellness-subtitle {
    font-size: 1rem;
    font-weight: 500;
    color: var(--text-main);
    margin-bottom: 2px;
    opacity: 0.85;
}

.wellness-title {
    font-size: 1.5rem;
    line-height: 1.2;
    margin: 0;
    display: flex;
    flex-direction: column;
}

.wellness-amount {
    font-size: 2.3rem;
    font-weight: 800;
    color: #CFAC62;
    background: linear-gradient(135deg, #B78D3C 0%, #EDD7A7 40%, #CFAC62 60%, #9A7228 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    display: inline-block;
    margin: 2px 0;
}

.wellness-gift-text {
    font-size: 1.65rem;
    font-weight: 700;
    color: var(--primary);
}

.bank-logos-card {
    background: var(--white);
    border-radius: var(--radius-sm);
    padding: 24px 32px;
    border: 1px solid var(--border);
}

.bank-logos-card p {
    font-size: 0.9rem;
    font-weight: 600;
    text-align: left;
    margin-bottom: 20px;
    color: var(--primary);
}

.logos-grid {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
}

.real-bank-logo {
    height: 32px;
    width: auto;
    max-width: 120px;
    object-fit: contain;
    transition: all 0.2s ease;
}

.real-bank-logo:hover {
    transform: scale(1.05);
}

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

/* Info Badges */
.info-badges-container {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    padding: 24px 0 60px;
}

.info-badge {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.info-badge i:not(.caret-icon) {
    font-size: 32px;
    color: var(--secondary);
    background: var(--primary-light);
    padding: 12px;
    border-radius: 50%;
}

.info-badge .badge-content {
    flex: 1;
}

.info-badge strong {
    font-size: 0.9rem;
    display: block;
    margin-bottom: 4px;
    color: var(--primary);
}

.info-badge p {
    font-size: 0.75rem;
    color: var(--text-muted);
    line-height: 1.4;
}

.info-badge .caret-icon {
    display: none;
}

/* How it works */
.how-it-works {
    padding: 110px 0 0;
    background: var(--white);
}

.section-subtitle {
    font-weight: 700;
    color: var(--secondary);
    display: block;
    margin-bottom: 8px;
}

.why-loan .section-subtitle {
    position: relative;
    display: inline-block;
    padding-bottom: 8px;
    margin-bottom: 16px;
}

.why-loan .section-subtitle::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 0;
    width: 48px;
    height: 3px;
    background-color: var(--warning);
    border-radius: 2px;
}

.section-title {
    font-size: 2.5rem;
    margin-bottom: 40px;
}

.steps-container {
    display: flex;
    align-items: stretch;
    justify-content: space-between;
    margin-bottom: 60px;
}

.step {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    position: relative;
    padding: 24px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    z-index: 2;
}

.step-number {
    position: absolute;
    top: -16px;
    width: 32px;
    height: 32px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-family: 'Outfit', sans-serif;
}

.step-icon {
    font-size: 48px;
    color: var(--warning);
    margin-bottom: 16px;
    margin-top: 16px;
}

.step h4 {
    font-size: 1.1rem;
    margin-bottom: 8px;
}

.step p {
    font-size: 0.85rem;
    color: var(--text-muted);
}

.step-arrow {
    flex: 0 0 40px;
    width: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    align-self: center;
}

.step-arrow::before {
    content: "";
    position: absolute;
    left: -4px;
    right: -4px;
    top: 50%;
    height: 0;
    border-top: 2px dashed #CBD5E1;
    transform: translateY(-50%);
    z-index: 1;
}

.step-arrow i {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    flex-shrink: 0;
    border-radius: 50%;
    background: var(--white);
    border: 1.5px solid #CBD5E1;
    color: var(--primary);
    font-size: 14px;
    font-weight: 700;
    z-index: 2;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
    transition: all 0.2s ease;
}

.step-arrow:hover i {
    transform: scale(1.1);
    border-color: var(--primary);
    color: var(--warning);
    box-shadow: 0 4px 10px rgba(10, 46, 130, 0.15);
}

.features-bar {
    display: flex;
    justify-content: center;
    gap: 0;
    padding: 30px 10px;
    background: var(--primary-light);
    border-radius: var(--radius-lg);
    margin-bottom: 40px;
}

.features-bar .feat {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    font-weight: 600;
    color: var(--primary);
    padding: 0 16px;
}

.features-bar .feat:not(:first-child) {
    border-left: 1px solid rgba(10, 46, 130, 0.12);
}

.features-bar .feat i {
    font-size: 24px;
    flex-shrink: 0;
}

/* CTA Bars */
.cta-bar {
    display: block;
    text-decoration: none;
    background: var(--primary);
    color: var(--white);
    padding: 24px 0;
    transition: background 0.2s ease, transform 0.2s ease;
    cursor: pointer;
}

.cta-bar:hover {
    background: #004080;
}

.cta-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.cta-content {
    display: flex;
    align-items: center;
    gap: 20px;
}

.cta-icon {
    width: 56px;
    height: 56px;
    background: var(--warning);
    color: var(--text-main);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
}

.cta-content h3 {
    color: var(--warning);
    margin-bottom: 4px;
    font-size: 1.5rem;
}

.cta-content p {
    font-size: 1.1rem;
    opacity: 0.9;
}

.cta-arrows {
    display: flex;
    color: rgba(255, 255, 255, 0.2);
    font-size: 32px;
}

.cta-arrows i:last-child {
    color: var(--warning);
}

/* Why Loan */
.why-loan {
    padding: 80px 0 0;
    background: var(--bg-main);
}

.why-container {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 60px;
    margin-bottom: 40px;
}

.why-content h2 {
    font-size: 2.5rem;
    margin-bottom: 20px;
}

.why-content p {
    font-size: 1.1rem;
    color: var(--text-muted);
    margin-bottom: 40px;
}

.why-image-wrapper {
    position: relative;
    border-radius: var(--radius-lg);
    margin-bottom: 20px;
}

.why-image-bg {
    position: absolute;
    bottom: -15px;
    left: -15px;
    width: 60%;
    height: 60%;
    background: var(--primary);
    border-radius: var(--radius-lg);
    z-index: 0;
    box-shadow: 0 10px 30px rgba(10, 46, 130, 0.15);
}

.why-image {
    width: 100%;
    display: block;
    border-radius: var(--radius-lg);
    position: relative;
    z-index: 1;
    box-shadow: var(--shadow-md);
}

.why-badge {
    position: absolute;
    bottom: -20px;
    right: 20px;
    background: var(--secondary);
    color: var(--white);
    width: 140px;
    height: 140px;
    border-radius: 50%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    border: 6px solid var(--bg-main);
    z-index: 2;
    box-shadow: var(--shadow-sm);
}

.why-badge i {
    font-size: 32px;
    margin-bottom: 8px;
}

.why-badge p {
    font-size: 0.8rem;
    margin: 0;
    color: var(--white);
    font-weight: 600;
    line-height: 1.2;
}

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

.why-card {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 24px;
    text-align: center;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.why-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.why-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--primary-light);
    color: var(--secondary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    margin-bottom: 16px;
    transition: all 0.3s ease;
}

.why-card:hover .why-icon {
    background: var(--secondary);
    color: var(--white);
    transform: scale(1.08);
}

.why-card h4 {
    margin-bottom: 16px;
    font-size: 1.1rem;
}

.why-card img {
    width: 100%;
    height: 120px;
    object-fit: cover;
    border-radius: var(--radius-sm);
    margin-bottom: 16px;
}

.why-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
}

.cta-banner {
    background: var(--primary-light);
    border-radius: var(--radius-lg);
    padding: 24px 32px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    box-shadow: 0 12px 40px rgba(10, 46, 130, 0.08);
    position: relative;
    z-index: 5;
    margin-bottom: -60px;
}

.cta-banner-left {
    display: flex;
    align-items: center;
    gap: 20px;
    flex-shrink: 0;
}

.cta-phone-circle {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: var(--primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    box-shadow: 0 4px 12px rgba(10, 46, 130, 0.2);
}

.cta-banner-text h4 {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 4px;
}

.cta-banner-text p {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin: 0;
}

.cta-banner-middle {
    flex-shrink: 0;
}

.btn-cta {
    background: var(--warning);
    color: var(--text-main);
    padding: 16px 28px;
    border-radius: 12px;
    display: flex;
    flex-direction: row !important;
    align-items: center;
    justify-content: flex-start;
    gap: 16px;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(255, 193, 7, 0.25);
    border: none;
    cursor: pointer;
}

.btn-cta:hover {
    background: var(--warning-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(255, 193, 7, 0.35);
}

.btn-cta i {
    font-size: 28px;
    color: var(--text-main);
}

.btn-cta-text {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
    line-height: 1.2;
}

.btn-cta-text strong {
    font-size: 1.1rem;
    font-weight: 700;
}

.btn-cta-text span {
    font-size: 0.75rem;
    opacity: 0.85;
    font-weight: 500;
}

.cta-banner-features {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-shrink: 0;
}

.cta-feat {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 0 16px;
    position: relative;
}

.cta-feat:not(:first-child)::before {
    content: "";
    position: absolute;
    left: -8px;
    top: 10%;
    height: 80%;
    width: 1px;
    background: rgba(10, 46, 130, 0.12);
}

.cta-feat-icon {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    border: 1px solid rgba(10, 46, 130, 0.15);
    background: var(--white);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 8px;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.02);
}

.cta-feat-text {
    display: flex;
    flex-direction: column;
    font-size: 0.85rem;
    line-height: 1.25;
}

.cta-feat-text strong {
    color: var(--primary);
    font-weight: 700;
}

.cta-feat-text span {
    color: var(--text-muted);
}

/* Before Loan */
.before-loan {
    padding: 80px 0 0;
    background: var(--white);
}

.before-container {
    display: flex;
    align-items: stretch;
    gap: 30px;
    margin-bottom: 60px;
}

.before-content {
    flex: 1.5;
    min-width: 0;
}

.before-title-wrap {
    display: flex;
    align-items: flex-end;
    gap: 16px;
    margin-bottom: 16px;
}

.before-lightbulb {
    width: 80px;
    height: 80px;
    object-fit: contain;
    flex-shrink: 0;
    filter: drop-shadow(0 4px 12px rgba(255, 193, 7, 0.3));
}

.before-content .section-title {
    margin-bottom: 16px;
    color: var(--text-main);
}

.before-content .section-title span {
    color: var(--primary);
    display: inline;
    background-image: linear-gradient(var(--warning), var(--warning));
    background-size: 100% 8px;
    background-position: 0 calc(100% + 1px);
    background-repeat: no-repeat;
    -webkit-box-decoration-break: clone;
    box-decoration-break: clone;
    padding-bottom: 4px;
}

.before-content .subtitle {
    font-size: 1.1rem;
    color: var(--text-main);
    margin-bottom: 40px;
    font-weight: 500;
}

.before-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin-bottom: 40px;
}

.before-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 24px;
}

.before-item:not(:nth-child(3n)) {
    border-right: 1px solid rgba(10, 46, 130, 0.08);
}

.before-item:nth-child(-n+3) {
    border-bottom: 1px solid rgba(10, 46, 130, 0.08);
}

.before-item .icon {
    background: var(--primary-light);
    color: var(--secondary);
    width: 48px;
    height: 48px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    flex-shrink: 0;
}

.before-item h4 {
    font-size: 1rem;
    margin-bottom: 8px;
}

.before-item p {
    font-size: 0.85rem;
    color: var(--text-muted);
}

.before-footer {
    display: flex;
    gap: 24px;
    background: var(--primary-light);
    padding: 24px;
    border-radius: var(--radius-md);
}

.bf-item {
    display: flex;
    align-items: center;
    gap: 16px;
    flex: 1;
}

.bf-item i {
    font-size: 32px;
    color: var(--primary);
}

.bf-item strong {
    display: block;
    font-size: 1rem;
    margin-bottom: 4px;
}

.bf-item p {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin: 0;
}

.before-images {
    display: flex;
    flex-direction: column;
    gap: 24px;
    flex: 1;
    min-width: 0;
}

.before-image-wrapper {
    flex: 1;
    min-height: 0;
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.before-image-wrapper img {
    position: absolute;
    left: 0;
    top: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* Footer */
.footer {
    background: var(--text-main);
    color: var(--white);
    padding: 60px 0 40px;
}

.footer-container {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
}

.footer h4 {
    color: var(--white);
    margin-bottom: 20px;
    font-size: 1.2rem;
}

.footer p {
    color: #9CA3AF;
    margin-bottom: 12px;
    font-size: 0.9rem;
}

.footer p.footer-legal {
    margin-top: 20px;
    font-size: 0.72rem;
    line-height: 1.6;
    color: #6B7280;
}

.footer ul {
    list-style: none;
}

.footer ul li {
    margin-bottom: 12px;
}

.footer ul li a {
    color: #9CA3AF;
    text-decoration: none;
    transition: color 0.2s;
    font-size: 0.9rem;
}

.footer ul li a:hover {
    color: var(--warning);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 24px;
    text-align: center;
    color: #9CA3AF;
    font-size: 0.85rem;
}


/* Responsive adjustments */
@media (max-width: 1200px) {
    .hero-container {
        grid-template-columns: 1fr !important;
        text-align: center !important;
        gap: 0;
    }

    .hero-bg-shape {
        position: absolute;
        bottom: -32px;
        left: 50%;
        transform: translateX(-50%);
        width: 260px;
        height: 300px;
        background: var(--primary);
        border-radius: 20px 80px 0 0;
        z-index: 0;
        display: block !important;
    }

    .hero-content {
        max-width: 100%;
        margin: 0;
        display: flex;
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .hero-features-row {
        flex-wrap: wrap;
        justify-content: center;
    }

    .hero-image-wrapper {
        display: flex !important;
        position: relative;
        height: 320px;
        width: 100%;
        max-width: 100%;
        align-items: flex-end;
        justify-content: center;
        z-index: 2;
        margin: 0 auto;
        margin-bottom: -32px;
    }

    .hero-image {
        height: 320px;
        width: auto;
        transform: scale(1.05);
        z-index: 1;
        position: relative;
    }

    .hero-form-card {
        grid-column: span 1;
        max-width: 100%;
        margin: 0;
        width: 100%;
        border-radius: 0 0 var(--radius-lg) var(--radius-lg);
        padding-top: 40px;
    }

    .hero-arrow {
        display: none;
    }

    .hero-bottom {
        grid-template-columns: 1fr;
        margin-top: 0;
    }

    .info-badges-container {
        grid-template-columns: 1fr 1fr;
    }

    .wellness-card {
        max-width: 100%;
        align-self: stretch;
    }

    /* Vertical Timeline steps */
    .steps-container {
        display: flex;
        flex-direction: column;
        gap: 2px;
        position: relative;
        padding-left: 56px;
        margin-bottom: 40px;
        text-align: left;
    }

    .steps-container::before {
        content: "";
        position: absolute;
        left: 20px;
        top: 32px;
        bottom: 32px;
        width: 2px;
        border-left: 2.5px dashed #CBD5E1;
        z-index: 1;
    }

    .step {
        display: flex !important;
        flex-direction: row !important;
        align-items: center;
        text-align: left;
        background: var(--white);
        border: 1px solid var(--border);
        border-radius: var(--radius-md);
        padding: 16px 20px;
        box-shadow: var(--shadow-sm);
        gap: 16px;
        position: relative;
        z-index: 2;
        margin-bottom: 0 !important;
    }

    .step-number {
        position: absolute;
        left: -52px;
        top: 50%;
        transform: translateY(-50%);
        z-index: 3;
        box-shadow: 0 4px 10px rgba(10, 46, 130, 0.15);
    }

    .step-icon {
        font-size: 36px;
        margin: 0 !important;
        color: var(--warning);
        flex-shrink: 0;
    }

    .step-details {
        display: flex;
        flex-direction: column;
        gap: 4px;
    }

    .step h4 {
        font-size: 1rem;
        margin-bottom: 0;
        color: var(--primary);
    }

    .step p {
        font-size: 0.8rem;
        color: var(--text-muted);
        line-height: 1.3;
    }

    .step-arrow {
        display: flex !important;
        align-items: center;
        justify-content: center;
        width: 32px;
        height: 32px;
        margin: -8px 0 -8px 0 !important;
        position: relative;
        left: -52px;
        z-index: 2;
        background: transparent;
        border-radius: 50%;
        border: none;
        box-shadow: none;
        transform: rotate(90deg);
        align-self: flex-start;
    }

    .step-arrow::before {
        display: none !important;
    }

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

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

    .before-container {
        flex-direction: column;
    }

    .before-title-wrap {
        flex-direction: row;
        align-items: flex-start;
        gap: 12px;
    }

    .before-lightbulb {
        width: 56px;
        height: 56px;
        margin-top: 4px;
    }

    .footer-container {
        grid-template-columns: 1fr 1fr;
    }

    .cta-banner {
        flex-direction: column;
        text-align: center;
        padding: 32px 24px;
        gap: 28px;
    }

    .cta-banner-left {
        flex-direction: column;
        text-align: center;
        gap: 16px;
    }

    .cta-phone-circle {
        margin: 0 auto;
    }

    .cta-banner-text p {
        margin-top: 4px;
    }

    .btn-cta {
        width: 100%;
        justify-content: center;
    }

    .cta-banner-features {
        flex-direction: column;
        gap: 20px;
        width: 100%;
    }

    .cta-feat {
        width: 100%;
        padding: 0;
    }

    .cta-feat:not(:first-child)::before {
        display: none;
    }

    .before-images {
        height: auto;
    }

    .before-image-wrapper {
        height: 300px;
        flex: none;
    }
}

@media (max-width: 768px) {
    .hero-container {
        grid-template-columns: 1fr !important;
        text-align: center !important;
        gap: 0;
    }

    .hero-content {
        align-items: center !important;
        text-align: center !important;
        margin: 0 auto !important;
    }

    .hero-form-card {
        grid-column: span 1 !important;
        margin-top: 0;
    }

    .hero-form-card h3,
    .hero-form-card>p {
        text-align: left;
    }

    .form-badge {
        display: none;
    }

    .form-header {
        align-items: flex-start;
        gap: 12px;
        margin-bottom: 16px;
    }

    .form-header-text h3 {
        font-size: 1.25rem;
        margin-bottom: 4px;
    }

    .form-header-text p {
        margin-bottom: 0;
        font-size: 0.85rem;
    }

    .form-header-badge {
        display: flex !important;
        flex-direction: column;
        align-items: center;
        justify-content: center;
        text-align: center;
        gap: 2px;
        width: 88px;
        height: 88px;
        flex-shrink: 0;
        border-radius: 50%;
        background: var(--warning);
        border: none;
        padding: 0;
        box-shadow: var(--shadow-md);
    }

    .form-header-badge i {
        font-size: 22px;
        color: var(--text-main);
        margin-bottom: 0;
    }

    .form-header-badge div {
        display: flex;
        flex-direction: column;
        align-items: center;
        gap: 0;
        line-height: 1.15;
    }

    .form-header-badge strong {
        font-size: 0.72rem;
        color: var(--text-main);
        font-weight: 700;
        display: block;
        line-height: 1.15;
        margin: 0;
    }

    .form-header-badge span {
        font-size: 0.68rem;
        color: var(--text-main);
        opacity: 0.85;
        display: block;
        line-height: 1.15;
        margin: 0;
    }

    .header-container {
        flex-direction: row;
        flex-wrap: wrap;
        justify-content: space-between;
        align-items: center;
        gap: 0;
    }

    .logo {
        flex: 1;
        order: 1;
    }

    .logo h1 {
        font-size: 1.05rem;
    }

    .logo p {
        font-size: 0.72rem;
    }

    .logo-icon {
        width: 40px;
        height: 40px;
    }

    .logo-icon i {
        font-size: 22px;
    }

    .header-container>.btn {
        flex-shrink: 0;
        font-size: 0.8rem;
        padding: 10px 14px;
        order: 2;
    }

    .header-features {
        display: flex !important;
        width: 100%;
        flex-basis: 100%;
        order: 3;
        flex-direction: row;
        justify-content: space-around;
        gap: 8px;
        margin-top: 12px;
        padding-top: 12px;
        border-top: 1px solid rgba(255, 255, 255, 0.15);
    }

    .header-features .feature-item {
        display: flex;
        flex-direction: column;
        align-items: center;
        text-align: center;
        gap: 4px;
        flex: 1;
    }

    .header-features .feature-item i {
        font-size: 20px;
        color: var(--warning);
    }

    .header-features .feature-item strong {
        font-size: 0.7rem;
        white-space: nowrap;
    }

    .header-features .feature-item p {
        display: none;
    }

    /* Accordion list info badges */
    .info-badges-container {
        display: flex !important;
        flex-direction: column;
        gap: 0;
        padding: 16px 0 40px;
    }

    .info-badge {
        display: flex !important;
        flex-direction: row !important;
        align-items: center;
        justify-content: space-between;
        gap: 16px;
        padding: 16px 8px;
        border-bottom: 1px solid var(--border);
        text-align: left;
        width: 100%;
        background: var(--white);
        transition: background-color 0.2s ease;
    }

    .info-badge:hover {
        background-color: var(--primary-light);
    }

    .info-badge i:not(.caret-icon) {
        font-size: 24px;
        padding: 10px;
        background: var(--primary-light);
        border-radius: 50%;
        color: var(--secondary);
        flex-shrink: 0;
    }

    .info-badge .badge-content {
        flex: 1;
    }

    .info-badge .badge-content strong {
        font-size: 0.95rem;
        color: var(--primary);
        margin-bottom: 2px;
    }

    .info-badge .badge-content p {
        font-size: 0.8rem;
        color: var(--text-muted);
        margin: 0;
    }

    .info-badge .caret-icon {
        display: block !important;
        font-size: 20px;
        color: var(--secondary);
        opacity: 0.7;
        transition: transform 0.2s ease;
    }

    .info-badge:hover .caret-icon {
        transform: translateX(4px);
        opacity: 1;
    }

    /* 4-column features bar */
    .features-bar {
        display: grid !important;
        grid-template-columns: 1fr 1fr;
        gap: 12px;
        padding: 16px;
        background: var(--primary-light);
        border-radius: var(--radius-lg);
        margin-bottom: 40px;
    }

    .features-bar .feat {
        flex-direction: column;
        align-items: flex-start;
        text-align: left;
        font-size: 0.8rem;
        padding: 10px 12px;
        font-weight: 600;
        color: var(--primary);
        border-left: none !important;
        background: var(--white);
        border-radius: var(--radius-sm);
        display: flex;
        gap: 6px;
    }

    .features-bar .feat:not(:first-child) {
        border-left: none !important;
    }

    .features-bar .feat i {
        font-size: 20px;
        margin-bottom: 0;
        color: var(--secondary);
    }

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

    /* Decorative line subtitle */
    .why-loan .section-subtitle {
        position: relative;
        display: inline-block;
        padding-bottom: 8px;
        margin-bottom: 16px;
    }

    .why-loan .section-subtitle::after {
        content: "";
        position: absolute;
        bottom: 0;
        left: 50%;
        transform: translateX(-50%);
        width: 48px;
        height: 3px;
        background-color: var(--warning);
        border-radius: 2px;
    }

    /* CTA Banner stacked but features horizontal */
    .cta-banner {
        flex-direction: column !important;
        align-items: stretch;
        padding: 24px 16px;
        gap: 20px;
    }

    .cta-banner-left {
        flex-direction: row !important;
        align-items: center;
        text-align: left;
        gap: 16px;
        width: 100%;
    }

    .cta-banner-text {
        text-align: left;
    }

    .cta-banner-middle {
        width: 100%;
    }

    .btn-cta {
        width: 100%;
        justify-content: center;
    }

    .cta-banner-features {
        flex-direction: row !important;
        justify-content: space-between;
        width: 100%;
        gap: 4px;
        border-top: 1px solid rgba(10, 46, 130, 0.08);
        padding-top: 16px;
        margin-top: 8px;
    }

    .cta-feat {
        flex: 1;
        padding: 0 4px;
        text-align: center;
        position: relative;
        width: auto !important;
    }

    .cta-feat:not(:first-child)::before {
        display: block !important;
        content: "";
        position: absolute;
        left: 0;
        top: 15%;
        height: 70%;
        width: 1px;
        background: rgba(10, 46, 130, 0.12);
    }

    .cta-feat-icon {
        width: 36px;
        height: 36px;
        font-size: 16px;
        margin: 0 auto 6px;
    }

    .cta-feat-text {
        font-size: 0.8rem;
    }

    .cta-feat-text strong {
        font-size: 0.75rem;
    }

    .cta-feat-text span {
        font-size: 0.65rem;
    }

    .before-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .before-item {
        padding: 0;
        border-right: none !important;
        border-bottom: none !important;
    }

    .before-footer {
        flex-direction: column;
    }

    .footer-container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .footer .logo {
        justify-content: center;
    }

    .wellness-card {
        flex-direction: row;
        align-items: center;
        text-align: left;
        padding: 14px 16px 14px 110px;
        gap: 12px;
        min-height: 100px;
        margin-top: 24px;
    }

    .wellness-gift-badge {
        width: 52px;
        height: 52px;
        font-size: 24px;
        left: 16px;
        top: 50%;
        transform: translateY(-50%);
        position: absolute;
        margin: 0;
    }

    .wellness-card:hover .wellness-gift-badge {
        transform: translateY(-50%) scale(1.08) rotate(-10deg);
    }

    .wellness-visual-img {
        width: 80px;
        height: 100%;
        position: absolute;
        left: 60px;
        top: 0;
        border-radius: 0;
        -webkit-mask-image: linear-gradient(to right, rgba(0, 0, 0, 0) 0%, rgba(0, 0, 0, 1) 30%, rgba(0, 0, 0, 1) 70%, rgba(0, 0, 0, 0) 100%);
        mask-image: linear-gradient(to right, rgba(0, 0, 0, 0) 0%, rgba(0, 0, 0, 1) 30%, rgba(0, 0, 0, 1) 70%, rgba(0, 0, 0, 0) 100%);
        margin: 0;
        object-fit: cover;
    }

    .wellness-content {
        padding: 0;
        text-align: left;
        flex: 1;
    }

    .wellness-subtitle {
        font-size: 0.7rem;
    }

    .wellness-amount {
        font-size: 1.25rem;
    }

    .wellness-gift-text {
        font-size: 1rem;
    }

    .wellness-sparkle-1 {
        top: 10%;
        left: 15%;
    }

    .wellness-sparkle-2 {
        top: 40%;
        left: 80%;
    }

    .wellness-sparkle-3 {
        top: 80%;
        right: 75%;
    }

    .wellness-sparkle-4 {
        top: 90%;
        right: 15%;
    }

    .logos-grid {
        justify-content: center;
    }

    .hero h2 {
        font-size: 2rem;
    }
}

@media (max-width: 480px) {
    .why-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .cta-bar {
        padding: 16px 0;
    }

    .cta-container {
        gap: 12px;
        align-items: center;
    }

    .cta-content {
        gap: 14px;
        flex: 1;
        min-width: 0;
    }

    .cta-icon {
        width: 44px;
        height: 44px;
        font-size: 22px;
        flex-shrink: 0;
    }

    .cta-content h3 {
        font-size: 1.05rem;
        margin-bottom: 2px;
        line-height: 1.3;
    }

    .cta-content p {
        font-size: 0.85rem;
        line-height: 1.3;
    }

    .cta-arrows {
        font-size: 20px;
        flex-shrink: 0;
    }

    .cta-arrows i:not(:last-child) {
        display: none;
    }
}

@media (max-width: 480px) {
    .why-grid {
        grid-template-columns: 1fr;
    }

    /* Header: fit logo + CTA on one row on narrow phones */
    .logo p {
        display: none;
    }

    .logo h1 {
        font-size: 0.95rem;
        margin-bottom: 0;
    }

    .logo-icon {
        width: 36px;
        height: 36px;
    }

    .logo-icon i {
        font-size: 20px;
    }

    .logo {
        gap: 8px;
    }

    .header-container>.btn {
        font-size: 0.7rem;
        padding: 8px 10px;
        white-space: nowrap;
    }

    .header-features .feature-item strong {
        font-size: 0.62rem;
        white-space: normal;
        text-align: center;
        line-height: 1.2;
    }

    .header-features .feature-item i {
        font-size: 18px;
    }
}

/* FAQ Section */
.faq {
    padding: 80px 0 0;
    background: var(--bg-main);
}

.faq-header {
    margin-bottom: 48px;
}

.faq-header .section-title {
    margin-bottom: 16px;
}

.faq-intro {
    font-size: 1.1rem;
    color: var(--text-muted);
    max-width: 640px;
    margin: 0 auto;
    line-height: 1.6;
}

.faq-list {
    max-width: 860px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    transition: box-shadow 0.25s ease, border-color 0.25s ease;
}

.faq-item.open {
    box-shadow: var(--shadow-md);
    border-color: rgba(0, 71, 186, 0.25);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: 'Outfit', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary);
    transition: background 0.2s ease;
}

.faq-question:hover {
    background: var(--primary-light);
}

.faq-q-icon {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--primary-light);
    color: var(--secondary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    flex-shrink: 0;
    transition: background 0.3s ease, color 0.3s ease;
}

.faq-item.open .faq-q-icon {
    background: var(--secondary);
    color: var(--white);
}

.faq-q-text {
    flex: 1;
    line-height: 1.35;
}

.faq-chevron {
    font-size: 20px;
    color: var(--text-muted);
    flex-shrink: 0;
    transition: transform 0.3s ease, color 0.3s ease;
}

.faq-item.open .faq-chevron {
    transform: rotate(180deg);
    color: var(--secondary);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.faq-item.open .faq-answer {
    max-height: 400px;
}

.faq-answer-inner {
    padding: 16px 24px 20px 80px;
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.7;
    border-top: 1px solid var(--border);
}

.faq-answer-inner p {
    margin: 0;
}

.faq-answer-inner a {
    color: var(--secondary);
    text-decoration: underline;
    text-underline-offset: 3px;
}

.faq-answer-inner a:hover {
    color: var(--primary);
}

@media (max-width: 768px) {
    .faq-answer-inner {
        padding: 14px 16px 18px 16px;
    }

    .faq-question {
        padding: 16px;
        gap: 12px;
    }

    .faq-q-icon {
        width: 36px;
        height: 36px;
        font-size: 18px;
    }

    .faq-q-text {
        font-size: 0.95rem;
    }
}

/* Icon-only CTA button on very narrow screens */
.header-cta-icon {
    display: none;
    font-size: 20px;
}

.header-cta-btn {
    display: flex;
    align-items: center;
    gap: 6px;
}

@media (max-width: 360px) {
    .header-cta-text {
        display: none;
    }

    .header-cta-icon {
        display: inline-flex !important;
    }

    .header-cta-btn {
        padding: 10px 12px;
        border-radius: 50%;
        aspect-ratio: 1;
        justify-content: center;
    }
}

/* Form checkboxes */
.form-checkboxes {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 16px;
    text-align: left !important;
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
    user-select: none;
    text-align: left !important;
}

.form-checkbox input[type="checkbox"] {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0;
}

.checkbox-box {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    margin-top: 1px;
    border: 2px solid var(--border);
    border-radius: 5px;
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: border-color 0.2s ease, background 0.2s ease;
}

.checkbox-box::after {
    content: '';
    width: 5px;
    height: 9px;
    border: 2px solid var(--white);
    border-top: none;
    border-left: none;
    transform: rotate(45deg) translateY(-1px);
    opacity: 0;
    transition: opacity 0.15s ease;
}

.form-checkbox input:checked ~ .checkbox-box {
    background: var(--secondary);
    border-color: var(--secondary);
}

.form-checkbox input:checked ~ .checkbox-box::after {
    opacity: 1;
}

.form-checkbox:hover .checkbox-box {
    border-color: var(--secondary);
}

.form-checkbox input:focus-visible ~ .checkbox-box {
    outline: 2px solid var(--secondary);
    outline-offset: 2px;
}

.checkbox-label {
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.45;
    text-align: left !important;
}

.checkbox-label a {
    color: var(--secondary);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.checkbox-label a:hover {
    color: var(--primary);
}

.required-star {
    color: #DC2626;
    font-weight: 700;
}

/* Floating cookie settings button */
#cookie-settings-btn {
    position: fixed;
    bottom: 20px;
    left: 20px;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--warning);
    color: var(--text-main);
    border: none;
    cursor: pointer;
    display: none;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    box-shadow: 0 4px 16px rgba(255, 193, 7, 0.45);
    z-index: 999;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

#cookie-settings-btn.visible {
    display: flex;
}

#cookie-settings-btn:hover {
    transform: scale(1.12);
    box-shadow: 0 6px 22px rgba(255, 193, 7, 0.6);
}

/* CookieConsent brand override */
#cc-main {
    --cc-font-family: 'Outfit', sans-serif;
    --cc-modal-border-radius: 16px;
    --cc-btn-border-radius: 8px;
    --cc-primary-color: #0A2E82;
    --cc-secondary-color: #6B7280;
    --cc-bg: #ffffff;
    --cc-btn-primary-bg: #FFC107;
    --cc-btn-primary-color: #1C2033;
    --cc-btn-primary-hover-bg: #E0A800;
    --cc-btn-secondary-bg: #EBF2FA;
    --cc-btn-secondary-color: #0A2E82;
    --cc-btn-secondary-hover-bg: #d0e0f0;
    --cc-toggle-on-bg: #0047BA;
    --cc-toggle-off-bg: #9CA3AF;
    --cc-cookie-category-block-bg: #F9FAFB;
    --cc-cookie-category-block-hover-bg: #EBF2FA;
    --cc-separator-border-color: #E5E7EB;
    --cc-overlay-bg: rgba(10, 46, 130, 0.35);
}

/* === Lead form: phone group, honeypot, message surface === */

/* Make the whole phone row look like ONE unified field, matching the
   name/email inputs: bordered box with the phone icon absolutely positioned
   inside on the left (inherited from base `.input-group i` rule), and the
   inner +36 / prefix / phone elements stripped of their own borders so they
   read as a single field. */
.input-group-phone {
    display: flex;
    align-items: stretch;
    gap: 0;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    background: var(--white);
    padding-left: 48px;
    overflow: hidden;
    transition: border-color 0.2s;
}

.input-group-phone:focus-within {
    border-color: var(--secondary);
}

.input-group-phone .phone-country {
    flex: 0 0 auto;
    padding: 0 8px 0 0;
    font-weight: 600;
    color: var(--text-main);
    display: inline-flex;
    align-items: center;
}

.input-group-phone select[name="prefix"] {
    flex: 0 0 auto;
    padding: 16px 8px;
    border: none;
    border-left: 1px solid var(--border);
    border-radius: 0;
    background: transparent;
    font-family: 'Outfit', sans-serif;
    font-size: 1rem;
    line-height: 1.2;
    color: var(--text-main);
    cursor: pointer;
    outline: none;
}

.input-group-phone input[name="phone"] {
    flex: 1 1 auto;
    min-width: 0;
    /* Override base .input-group input rule's border + padding-left:48px;
       the parent now owns the border and the icon offset. */
    padding: 16px 12px;
    border: none;
    border-left: 1px solid var(--border);
    border-radius: 0;
    background: transparent;
    outline: none;
}

/* Honeypot — off-screen but still focusable for bots; real users never see it */
.hp-field {
    position: absolute;
    left: -10000px;
    top: auto;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

/* Inline form message surface (errors filled from server) */
.form-message {
    margin-top: 12px;
    margin-bottom: 20px;
    padding: 12px 16px;
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    line-height: 1.5;
}

.form-message[data-state="error"] {
    background: #FEF2F2;
    color: #991B1B;
    border: 1px solid #FCA5A5;
}

.form-message[data-state="success"] {
    background: #ECFDF5;
    color: #065F46;
    border: 1px solid #6EE7B7;
}

/* ============================================================
   Multi-step lead form (qualification step + KHR rejection)
   ============================================================ */

@keyframes spin {
    to { transform: rotate(360deg); }
}

/* Native select inside a plain .input-group (loan-amount field).
   The phone-prefix select lives in .input-group-phone and keeps its own
   more-specific rules, so it is unaffected. */
.input-group .form-select {
    width: 100%;
    padding: 16px 40px 16px 48px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: 'Outfit', sans-serif;
    font-size: 1rem;
    color: var(--text-main);
    outline: none;
    transition: border-color 0.2s;
    background-color: var(--white);
    appearance: none;
    -webkit-appearance: none;
    cursor: pointer;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' fill='%236B7280' viewBox='0 0 256 256'%3E%3Cpath d='M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    background-size: 18px;
}

.input-group .form-select:focus {
    border-color: var(--secondary);
}

.input-group .form-select:invalid,
.input-group .form-select option[value=""] {
    color: var(--text-muted);
}

.form-step {
    display: none;
}

.form-step.active {
    display: block;
    animation: stepIn 0.25s ease;
}

@keyframes stepIn {
    from { opacity: 0; transform: translateX(10px); }
    to   { opacity: 1; transform: none; }
}

.form-progress {
    display: flex;
    align-items: center;
    gap: 6px;
    margin-bottom: 18px;
}

.form-progress-bar {
    flex: 1;
    height: 4px;
    border-radius: 2px;
    background: var(--border);
    transition: background 0.3s ease;
}

.form-progress-bar.done {
    background: var(--secondary);
}

.form-progress-label {
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--text-muted);
    letter-spacing: 0.04em;
    flex-shrink: 0;
    margin-left: 4px;
}

.step-next-icon {
    vertical-align: -2px;
    margin-left: 4px;
}

.form-back-link {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    width: 100%;
    margin-top: 12px;
    padding: 8px;
    background: none;
    border: none;
    font-family: 'Outfit', sans-serif;
    font-size: 0.88rem;
    font-weight: 500;
    color: var(--text-muted);
    cursor: pointer;
    transition: color 0.2s;
}

.form-back-link:hover {
    color: var(--secondary);
}

.field-error {
    display: none;
    color: #dc2626;
    font-size: 0.8rem;
    margin: -8px 0 12px 4px;
}

.field-error.show {
    display: block;
}

.khr-checkbox-row {
    padding: 10px 12px;
    margin-bottom: 16px;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(220, 38, 38, 0.2);
    background: rgba(220, 38, 38, 0.04);
}

.khr-box {
    border-color: rgba(220, 38, 38, 0.4) !important;
    flex-shrink: 0;
}

.form-checkbox input:checked ~ .khr-box {
    background: #dc2626 !important;
    border-color: #dc2626 !important;
}

.khr-rejection {
    display: none;
    text-align: center;
    padding: 20px 8px 8px;
    animation: fadeIn 0.3s ease;
}

.khr-rej-icon {
    font-size: 56px;
    color: #dc2626;
    line-height: 1;
    margin-bottom: 14px;
}

.khr-rej-title {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 10px;
}

.khr-rej-text {
    font-size: 0.95rem;
    color: var(--text-main);
    margin-bottom: 8px;
    line-height: 1.55;
}

.khr-rej-sub {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-bottom: 22px;
    line-height: 1.5;
}

/* .btn-outline is styled for the blue header — recolor it for the white card */
.khr-rej-back {
    font-size: 0.9rem;
    color: var(--secondary);
    border-color: var(--secondary);
    background: transparent;
}

.khr-rej-back:hover {
    background: var(--secondary);
    color: #fff;
}

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