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

:root {
  --primary-color: #2563EB;
  --primary-color-dark: rgb(14, 39, 94);
  --primary-color-dark-strong: rgb(7, 19, 46);
  --primary-color-light: rgb(135, 169, 244);
  --primary-color-light-strong: rgb(211, 223, 251);
  --primary-color-light-stronger: rgb(235, 240, 253);
  --text-color: var(--primary-color-dark-strong);
  --text-color-light: #4e516b;
  --font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --success-color: #10B981;
  --accent-gold: #F59E0B;
}

body {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  margin: 0;
  background-color: #fff;
  color: var(--text-color);
  font-size: 16px;
  line-height: 1.5;
  font-family: var(--font-family);
  -webkit-font-smoothing: antialiased;
}

.main {
  flex-grow: 1;
}

.footer {
  flex-shrink: 0;
}

.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
}

/* BUTTONS */
.btn {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 18px 24px;
  gap: 12px;
  border: none;
  border-radius: 32px;
  font-weight: 700;
  font-size: 18px;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.25s ease;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.2);
}

.btn--primary {
  background-color: var(--primary-color);
  color: #fff;
}

.btn--primary:hover {
  background-color: #1d4ed8;
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(37, 99, 235, 0.3);
}

.btn--white {
  background-color: var(--primary-color-light-stronger);
  color: var(--primary-color);
}

.btn--white:hover {
  background-color: var(--primary-color-light-strong);
  transform: translateY(-2px);
}

.btn--full {
  width: 100%;
}

/* HEADER */
.header {
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 16px;
  padding: 16px 24px;
  border-radius: 16px;
  background-color: var(--primary-color-light-stronger);
}

.header__container {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
}

.header__logo-link {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  text-decoration: none;
  margin: 0 auto;
}

.header__logo-svg {
  height: 38px;
  width: auto;
}

@media (max-width: 768px) {
  .header {
    margin: 12px;
    padding: 12px 16px;
  }
}

/* HERO SECTION */
.hero {
  position: relative;
  margin: 0 16px 16px 16px;
  padding: 32px 24px;
  overflow: hidden;
  border-radius: 20px;
  background-color: rgba(37, 99, 235, 0.7);
  color: #ffffff;
}

.hero__container {
  display: grid;
  z-index: 2;
  position: relative;
  grid-template-areas:
    "content"
    "form";
  flex-direction: column;
  align-items: center;
  justify-items: center;
  padding: 8px 0;
  gap: 28px;
}

@media (min-width: 769px) {
  .hero__container {
    grid-template-columns: 1fr auto;
    grid-template-areas: "content form";
    align-items: center;
    justify-items: flex-start;
    gap: 36px 48px;
  }
  .hero__content {
    grid-area: content;
    align-self: center;
    display: flex;
    flex-direction: column;
    gap: 20px;
    padding-left: 0;
  }
}

@media (max-width: 768px) {
  .hero__content {
    grid-area: content;
    max-width: 100%;
    display: flex;
    flex-direction: column;
    gap: 16px;
  }
}

.hero__title {
  font-weight: 500;
  font-size: 46px;
  line-height: 1.2;
  letter-spacing: -0.01em;
  color: #ffffff;
  margin: 0;
}

@media (max-width: 768px) {
  .hero__title {
    font-size: 28px;
    text-align: center;
  }
}

.hero__list {
  display: flex;
  flex-direction: column;
  align-self: start;
  padding: 0;
  margin: 0;
  gap: 14px;
  list-style: none;
}

@media (max-width: 768px) {
  .hero__list {
    width: 100%;
  }
}

.hero__item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 16.5px;
  font-weight: 400;
  color: #ffffff;
}

.hero__item svg {
  flex-shrink: 0;
  fill: #93C5FD;
}

/* FORM CONTAINER FRAME */
.hero__card {
  grid-area: form;
  display: block;
  width: fit-content;
  min-width: 300px;
  max-width: 100%;
  background: #ffffff;
  border-radius: 16px;
  padding: 0;
  border: 1px solid rgba(255, 255, 255, 0.4);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.12);
  align-self: start;
  margin: 0 auto;
  overflow: hidden;
}

@media (min-width: 769px) {
  .hero__card {
    align-self: start;
    margin: 0;
  }
}

/* INTERACTIVE LOAN FORM CARD */
.loan-card {
  background: #ffffff;
  color: var(--text-color);
  border-radius: 20px;
  padding: 28px 24px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.loan-card__header {
  margin-bottom: 20px;
  text-align: center;
}

.loan-card__title {
  font-size: 22px;
  font-weight: 800;
  color: var(--primary-color-dark-strong);
  margin-bottom: 6px;
}

.loan-card__subtitle {
  font-size: 14px;
  color: var(--text-color-light);
}

/* FORM PROGRESS BAR */
.form-progress {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
  position: relative;
}

.form-progress::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 0;
  right: 0;
  height: 4px;
  background: #E2E8F0;
  z-index: 1;
  transform: translateY(-50%);
  border-radius: 2px;
}

.form-progress__fill {
  position: absolute;
  top: 50%;
  left: 0;
  height: 4px;
  background: var(--primary-color);
  z-index: 1;
  transform: translateY(-50%);
  border-radius: 2px;
  transition: width 0.3s ease;
}

.form-progress__step {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #E2E8F0;
  color: #64748B;
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2;
  transition: all 0.3s ease;
}

.form-progress__step--active {
  background: var(--primary-color);
  color: #fff;
  box-shadow: 0 0 0 4px #DBEAFE;
}

.form-progress__step--completed {
  background: var(--success-color);
  color: #fff;
}

/* FORM FIELDS */
.form-step {
  display: none;
}

.form-step--active {
  display: block;
  animation: fadeIn 0.3s ease-in-out;
}

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

.form-group {
  margin-bottom: 16px;
}

.form-label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--primary-color-dark-strong);
}

.form-input, .form-select {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid #CBD5E1;
  border-radius: 12px;
  font-size: 15px;
  font-family: var(--font-family);
  color: var(--text-color);
  background-color: #F8FAFC;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.form-input:focus, .form-select:focus {
  outline: none;
  border-color: var(--primary-color);
  background-color: #fff;
  box-shadow: 0 0 0 4px #DBEAFE;
}

.amount-display {
  text-align: center;
  font-size: 36px;
  font-weight: 800;
  color: var(--primary-color);
  margin: 12px 0;
  letter-spacing: -0.02em;
}

.amount-slider {
  width: 100%;
  accent-color: var(--primary-color);
  height: 8px;
  border-radius: 4px;
  cursor: pointer;
}

.amount-presets {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin-top: 12px;
}

.preset-btn {
  padding: 8px 4px;
  border: 1px solid #CBD5E1;
  background: #F1F5F9;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--primary-color-dark);
  cursor: pointer;
  transition: all 0.2s;
  text-align: center;
}

.preset-btn:hover, .preset-btn--active {
  background: var(--primary-color);
  color: #fff;
  border-color: var(--primary-color);
}

.radio-tiles {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}

.radio-tile {
  border: 1.5px solid #CBD5E1;
  border-radius: 12px;
  padding: 12px;
  text-align: center;
  cursor: pointer;
  background: #F8FAFC;
  transition: all 0.2s;
}

.radio-tile:hover {
  border-color: var(--primary-color-light);
}

.radio-tile input {
  display: none;
}

.radio-tile label {
  cursor: pointer;
  font-weight: 600;
  font-size: 14px;
  display: block;
}

.radio-tile input:checked + label {
  color: var(--primary-color);
}

.radio-tile:has(input:checked) {
  border-color: var(--primary-color);
  background: #EFF6FF;
  box-shadow: 0 0 0 3px #DBEAFE;
}

.form-nav-btns {
  display: flex;
  gap: 10px;
  margin-top: 20px;
}

.btn-secondary {
  background: #F1F5F9;
  color: var(--text-color-light);
  border: none;
  padding: 14px 20px;
  border-radius: 12px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  transition: all 0.2s;
}

.btn-secondary:hover {
  background: #E2E8F0;
  color: var(--text-color);
}

/* FEATURES SECTION */
.features {
  margin: 0 16px 16px 16px;
  padding: 56px 24px;
  border-radius: 16px;
  background-color: var(--primary-color-light-stronger);
}

.features__container {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

@media (max-width: 768px) {
  .features__container {
    grid-template-columns: 1fr;
    gap: 24px;
  }
}

.features__item {
  display: grid;
  grid-template-rows: auto 1fr;
  grid-template-columns: auto 1fr;
  grid-template-areas:
    "icon title"
    "text text";
  gap: 8px 16px;
  background: #fff;
  padding: 24px;
  border-radius: 16px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}

.features__icon {
  grid-area: icon;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #DBEAFE;
  border-radius: 14px;
  color: var(--primary-color);
}

.features__icon svg {
  width: 32px;
  height: 32px;
  fill: currentColor;
}

.features__title {
  grid-area: title;
  color: var(--primary-color);
  font-weight: 600;
  font-size: 22px;
  line-height: 1.2;
  align-self: center;
}

.features__text {
  grid-area: text;
  font-size: 15px;
  color: var(--text-color-light);
  margin-top: 4px;
}

/* BENEFITS SECTION */
.benefits {
  padding: 64px 16px;
  background-color: var(--primary-color-dark);
  color: #fff;
}

.benefits__container {
  display: flex;
  flex-direction: column;
  gap: 36px;
}

.benefits__title {
  font-weight: 500;
  font-size: 44px;
  text-align: center;
  letter-spacing: -0.01em;
}

@media (max-width: 768px) {
  .benefits__title {
    font-size: 30px;
  }
}

.benefits__content {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  align-items: center;
  gap: 48px;
}

@media (max-width: 768px) {
  .benefits__content {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

.benefits__graphic {
  width: 100%;
  height: 320px;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.3) 0%, rgba(14, 39, 94, 0.8) 100%);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.15);
  position: relative;
  overflow: hidden;
}

.benefits__graphic-icon {
  width: 120px;
  height: 120px;
  color: #60A5FA;
  filter: drop-shadow(0 10px 20px rgba(0, 0, 0, 0.3));
}

.benefits__items {
  display: flex;
  flex-direction: column;
  gap: 20px;
  list-style: none;
}

.benefits__item {
  display: flex;
  gap: 16px;
  background: rgba(255, 255, 255, 0.05);
  padding: 18px 20px;
  border-radius: 14px;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.benefits__icon {
  width: 42px;
  height: 42px;
  background: rgba(37, 99, 235, 0.3);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #60A5FA;
}

.benefits__icon svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
}

.benefits__heading {
  font-weight: 600;
  font-size: 20px;
  margin-bottom: 4px;
}

.benefits__text {
  font-size: 15px;
  color: var(--primary-color-light);
}

/* STEPS SECTION */
.steps {
  padding: 72px 16px;
}

.steps__container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-areas:
    "title title"
    "list img";
  gap: 40px;
  align-items: center;
}

@media (max-width: 768px) {
  .steps__container {
    grid-template-columns: 1fr;
    grid-template-areas:
      "title"
      "img"
      "list";
    gap: 24px;
  }
}

.steps__title {
  grid-area: title;
  font-weight: 500;
  font-size: 44px;
  letter-spacing: -0.01em;
  text-align: center;
  color: var(--primary-color-dark-strong);
}

@media (max-width: 768px) {
  .steps__title {
    font-size: 30px;
  }
}

.steps__wrapper {
  grid-area: list;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

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

.steps__item {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding-left: 20px;
  border-left: 3px solid var(--primary-color-light);
  transition: border-color 0.2s;
}

.steps__item:hover {
  border-color: var(--primary-color);
}

.steps__number {
  color: var(--primary-color);
  font-weight: 500;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.steps__heading {
  color: var(--primary-color-dark-strong);
  font-weight: 600;
  font-size: 22px;
}

.steps__text {
  font-size: 15px;
  color: var(--text-color-light);
  line-height: 1.6;
}

.steps__img {
  grid-area: img;
  height: 380px;
  background: linear-gradient(135deg, var(--primary-color-light-stronger) 0%, #DBEAFE 100%);
  border-radius: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.steps__illustration {
  width: 100%;
  max-width: 320px;
  height: auto;
}

.steps__btn {
  margin-top: 12px;
}

/* FOOTER */
.footer {
  display: flex;
  flex-direction: column;
  padding: 0 16px;
  background-color: var(--primary-color-dark-strong);
  color: var(--primary-color-light-stronger);
}

.footer__branding {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 36px 0 20px 0;
}

.footer__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  font-size: 24px;
  font-weight: 800;
  text-decoration: none;
}

.footer__nav {
  padding: 24px 16px;
  border-radius: 16px;
  background-color: var(--primary-color-dark);
}

.footer__links {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 20px 32px;
}

@media (max-width: 768px) {
  .footer__links {
    flex-direction: column;
    gap: 14px;
  }
}

.footer__links a {
  color: #fff;
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.2s;
}

.footer__links a:hover {
  color: var(--primary-color-light);
  text-decoration: underline;
}

.footer__section {
  padding: 32px 0;
}

.footer__disclaimer {
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 13.5px;
  line-height: 1.65;
  color: #94A3B8;
  background: rgba(255, 255, 255, 0.03);
  padding: 24px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.footer__heading {
  color: #fff;
  font-weight: 700;
  font-size: 15px;
}

.footer__bottom {
  padding: 24px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__copyright {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 14px;
  color: #94A3B8;
}

@media (max-width: 768px) {
  .footer__copyright {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }
}

/* MODAL FOR PROCESSING / SUCCESS */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(7, 19, 46, 0.85);
  backdrop-filter: blur(8px);
  z-index: 999;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.modal-overlay--active {
  display: flex;
}

.modal-card {
  background: #fff;
  border-radius: 24px;
  max-width: 500px;
  width: 100%;
  padding: 36px 28px;
  text-align: center;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.3);
  animation: modalIn 0.3s ease-out;
}

@keyframes modalIn {
  from { opacity: 0; transform: scale(0.9); }
  to { opacity: 1; transform: scale(1); }
}

.spinner {
  width: 60px;
  height: 60px;
  border: 5px solid #DBEAFE;
  border-top: 5px solid var(--primary-color);
  border-radius: 50%;
  animation: spin 1s linear infinite;
  margin: 0 auto 24px auto;
}

@keyframes spin {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

/* PAGE TEMPLATES (For legal/about pages) */
.page-header {
  background: linear-gradient(135deg, var(--primary-color-dark) 0%, var(--primary-color) 100%);
  color: #fff;
  padding: 60px 16px;
  text-align: center;
  margin: 0 16px 32px 16px;
  border-radius: 16px;
}

.page-header h1 {
  font-size: 38px;
  font-weight: 500;
}

.content-box {
  background: #fff;
  padding: 32px;
  border-radius: 16px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
  margin-bottom: 48px;
  line-height: 1.7;
}

.content-box h2 {
  color: var(--primary-color-dark-strong);
  margin: 24px 0 12px 0;
  font-size: 22px;
}

.content-box p {
  color: var(--text-color-light);
  margin-bottom: 16px;
}