/* ==========================================================================
   VIBRANT & MODERN THEME - AMERICAN DAY / FINANCE AMERICA
   ========================================================================== */

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

:root {
  /* Vibrant & Modern Palette */
  --primary-pink: #ff2465;
  --primary-rose: #ff3b75;
  --primary-coral: #ff5e62;
  --primary-gradient: linear-gradient(135deg, #ff2465 0%, #ff4b72 50%, #f43f5e 100%);
  --primary-hover-gradient: linear-gradient(135deg, #e11d48 0%, #f43f5e 100%);

  /* Accent Gradients & Wave */
  --wave-gradient: linear-gradient(90deg, #fa728c 0%, #f23577 22%, #cb156f 50%, #870e70 78%, #580c65 100%);
  --deep-purple-bg: linear-gradient(135deg, #180d38 0%, #29104f 50%, #3e0b59 100%);
  --text-gradient: linear-gradient(135deg, #ff2465 0%, #ff5e62 100%);

  /* Neutral & Dark Colors */
  --dark-navy: #0f172a;
  --dark-indigo: #1e1b4b;
  --ink: #1e293b;
  --ink-secondary: #334155;
  --muted: #64748b;
  --light-muted: #94a3b8;
  --line: #f1f5f9;
  --line-hover: #e2e8f0;
  --bg-soft: #fcfafc;
  --white: #ffffff;

  /* Card Badges */
  --badge-pink-bg: #ffe4e9;
  --badge-pink-color: #ff2465;
  --badge-rose-bg: #ffeef2;
  --badge-rose-color: #e11d48;
  --badge-purple-bg: #f3e8ff;
  --badge-purple-color: #9333ea;
  --badge-orange-bg: #ffedd5;
  --badge-orange-color: #ea580c;

  /* Shadows & Radius */
  --shadow-sm: 0 4px 12px rgba(15, 23, 42, 0.05);
  --shadow-md: 0 12px 28px rgba(22, 17, 50, 0.07);
  --shadow-lg: 0 20px 48px rgba(22, 17, 50, 0.10);
  --shadow-glow: 0 8px 24px rgba(255, 36, 101, 0.32);
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 20px;
  --radius-pill: 9999px;

  /* Typography */
  --font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --font-script: 'Caveat', cursive, sans-serif;
}

/* Base Reset */
*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  margin: 0;
  font-family: var(--font-main);
  color: var(--ink);
  background-color: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
  transition: all 0.2s ease;
}

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

/* Top Accent Bar */
.top-gradient-bar {
  height: 5px;
  background: var(--wave-gradient);
  width: 100%;
  position: relative;
  z-index: 100;
}

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

.site-header {
  min-height: 84px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px clamp(20px, 5vw, 80px);
  gap: 24px;
  background: var(--white);
  border-bottom: 1px solid rgba(241, 245, 249, 0.9);
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.02);
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
  cursor: pointer;
}

.brand-logo-img {
  width: 38px;
  height: 38px;
  object-fit: contain;
  filter: drop-shadow(0 2px 6px rgba(147, 51, 234, 0.2));
  transition: transform 0.25s ease;
}

.brand:hover .brand-logo-img {
  transform: scale(1.05) rotate(-3deg);
}

.brand-copy {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.brand-copy strong {
  font-family: var(--font-main);
  font-weight: 800;
  font-size: clamp(20px, 2.2vw, 24px);
  letter-spacing: -0.02em;
  color: var(--dark-indigo);
}

.brand-copy small {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.2em;
  color: var(--primary-pink);
  margin-top: 3px;
}

.desktop-nav {
  display: flex;
  gap: clamp(16px, 2.5vw, 36px);
  align-items: center;
}

.desktop-nav a {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-secondary);
  position: relative;
  padding: 6px 0;
  transition: color 0.2s ease;
}

.desktop-nav a:hover {
  color: var(--primary-pink);
}

.desktop-nav a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary-gradient);
  border-radius: 2px;
  transition: width 0.25s ease;
}

.desktop-nav a:hover::after {
  width: 100%;
}

.header-cta-group {
  display: flex;
  align-items: center;
  gap: 16px;
}

.menu-toggle {
  display: none;
  border: 0;
  background: transparent;
  font-size: 26px;
  color: var(--dark-indigo);
  cursor: pointer;
  padding: 6px;
  border-radius: 8px;
}

.menu-toggle:hover {
  background: #f1f5f9;
}

/* ==========================================================================
   BUTTONS
   ========================================================================== */

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border: 0;
  border-radius: var(--radius-pill);
  padding: 13px 28px;
  font-family: var(--font-main);
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  transition: transform 0.2s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.2s ease, background 0.2s ease;
  white-space: nowrap;
}

.button:hover {
  transform: translateY(-2px);
}

.button:active {
  transform: translateY(0);
}

.button-primary {
  background: var(--primary-gradient);
  color: var(--white);
  box-shadow: var(--shadow-glow);
}

.button-primary:hover {
  background: var(--primary-hover-gradient);
  box-shadow: 0 10px 28px rgba(255, 36, 101, 0.45);
  color: var(--white);
}

.button-header {
  padding: 10px 24px;
  font-size: 13px;
  background: var(--primary-gradient);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(255, 36, 101, 0.35);
}

.button-header:hover {
  box-shadow: 0 6px 18px rgba(255, 36, 101, 0.45);
  color: var(--white);
}

.button-light {
  background: var(--white);
  color: var(--dark-indigo);
  box-shadow: var(--shadow-md);
}

.button-light:hover {
  background: #f8fafc;
  color: var(--primary-pink);
  box-shadow: var(--shadow-lg);
}

.button-video {
  background: transparent;
  color: var(--dark-indigo);
  padding: 10px 20px;
  font-weight: 700;
  font-size: 14px;
  gap: 10px;
}

.button-video:hover {
  color: var(--primary-pink);
  transform: translateY(-2px);
}

.play-badge {
  width: 34px;
  height: 34px;
  background: var(--dark-navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s ease, background 0.2s ease;
  padding-left: 2px;
}

.button-video:hover .play-badge {
  background: var(--primary-pink);
  transform: scale(1.08);
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */

.hero {
  max-width: 1340px;
  margin: 0 auto;
  padding: clamp(40px, 6vw, 75px) clamp(20px, 5vw, 80px) clamp(30px, 4vw, 50px);
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  align-items: center;
  gap: clamp(30px, 5vw, 60px);
  position: relative;
}

.hero-copy {
  z-index: 2;
}

.eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--primary-pink);
  margin-bottom: 12px;
}

.hero h1 {
  font-size: clamp(38px, 5vw, 64px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.035em;
  color: var(--dark-navy);
  margin: 12px 0 20px;
  max-width: 650px;
}

.gradient-text {
  background: var(--text-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

.hero-copy > p {
  font-size: clamp(16px, 1.8vw, 18px);
  color: var(--muted);
  max-width: 540px;
  line-height: 1.7;
  margin-bottom: 32px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}

.trust-note {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 500;
  margin-top: 26px;
}

.shield {
  display: grid;
  place-items: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #e8f8ed;
  color: #16a34a;
  font-size: 12px;
  font-weight: 800;
  flex-shrink: 0;
}

/* Hero Right Visual - Modern Composition */
.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
}

.hero-composition {
  position: relative;
  width: 100%;
  max-width: 480px;
  aspect-ratio: 1 / 1;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
}

/* Ambient Glow / Aura behind the circle */
.hero-glow {
  position: absolute;
  width: 110%;
  height: 110%;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 36, 101, 0.16) 0%, rgba(139, 92, 246, 0.18) 45%, transparent 70%);
  filter: blur(32px);
  pointer-events: none;
  z-index: 1;
}

/* Decorative Organic Wave Arcs */
.hero-decorative-wave {
  position: absolute;
  width: 120%;
  height: 120%;
  bottom: -6%;
  right: -6%;
  z-index: 1;
  pointer-events: none;
  opacity: 0.9;
  filter: drop-shadow(0 14px 24px rgba(139, 92, 246, 0.22));
}

/* Circular Portal with High-Res Photo */
.hero-portal {
  position: relative;
  width: 86%;
  height: 86%;
  border-radius: 50%;
  z-index: 2;
  padding: 7px;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(255, 255, 255, 0.5));
  box-shadow: 0 24px 60px rgba(15, 23, 42, 0.14), 0 0 0 1px rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.4s ease;
}

.hero-composition:hover .hero-portal {
  transform: scale(1.02);
  box-shadow: 0 30px 70px rgba(255, 36, 101, 0.22), 0 0 0 2px rgba(255, 36, 101, 0.3);
}

.hero-portal-inner {
  width: 100%;
  height: 100%;
  border-radius: 50%;
  overflow: hidden;
  position: relative;
  box-shadow: inset 0 2px 10px rgba(0, 0, 0, 0.08);
  background: #f8fafc;
}

.hero-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 25%;
  display: block;
  transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

.hero-composition:hover .hero-photo {
  transform: scale(1.08);
}

.hero-portal-rim {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  pointer-events: none;
  border: 2px solid rgba(255, 255, 255, 0.65);
  box-shadow: inset 0 0 26px rgba(255, 36, 101, 0.15);
}

/* Hand-drawn Script Callout */
.hero-script-callout {
  position: absolute;
  top: -12px;
  right: -12px;
  z-index: 4;
  text-align: right;
  pointer-events: none;
}

.script-words {
  font-family: var(--font-script);
  font-size: clamp(24px, 2.8vw, 34px);
  font-weight: 700;
  color: var(--dark-indigo);
  line-height: 1.05;
  transform: rotate(-8deg);
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  text-shadow: 0 2px 10px rgba(255, 255, 255, 0.95);
}

.script-arrow {
  width: 55px;
  height: 55px;
  margin-top: -6px;
  margin-right: 18px;
  transform: rotate(12deg);
  filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.08));
}

/* Modern Floating Fintech Badges */
.floating-badge {
  position: absolute;
  z-index: 5;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-radius: var(--radius-pill);
  padding: 10px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 14px 34px rgba(15, 23, 42, 0.12);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s ease;
}

.floating-badge:hover {
  transform: translateY(-4px) scale(1.02);
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.18);
}

.badge-top-left {
  top: 14%;
  left: -22px;
  animation: floatSlow 4.5s ease-in-out infinite alternate;
}

.badge-bottom-right {
  bottom: 10%;
  right: -16px;
  animation: floatSlow 4.5s ease-in-out infinite alternate-reverse;
}

@keyframes floatSlow {
  0% { transform: translateY(0); }
  100% { transform: translateY(-9px); }
}

.badge-icon-check {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: #e8f8ed;
  color: #16a34a;
  font-weight: 800;
  display: grid;
  place-items: center;
  font-size: 14px;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(22, 163, 74, 0.2);
}

.badge-icon-sparkle {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: #fff1f4;
  color: #ff2465;
  font-weight: 800;
  display: grid;
  place-items: center;
  font-size: 15px;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(255, 36, 101, 0.2);
}

.badge-copy {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
  text-align: left;
}

.badge-copy strong {
  font-size: 13px;
  font-weight: 800;
  color: var(--dark-navy);
}

.badge-copy small {
  font-size: 11px;
  color: var(--muted);
  font-weight: 500;
}

/* ==========================================================================
   LOAN CARDS OVERLAYING THE VIBRANT WAVE
   ========================================================================== */

.loans-wave-section {
  position: relative;
  padding: 40px clamp(20px, 5vw, 80px) 70px;
  margin-top: 10px;
}

/* Vibrant Wave Background Behind Cards */
.loans-wave-bg {
  position: absolute;
  top: 50px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--wave-gradient);
  z-index: 1;
  border-radius: 36px 36px 0 0;
  box-shadow: 0 -10px 40px rgba(250, 114, 140, 0.15);
}

.loans-cards-grid {
  position: relative;
  z-index: 2;
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(14px, 2vw, 24px);
}

.loan-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(24px, 3vw, 32px) 20px clamp(22px, 2.5vw, 28px);
  text-align: center;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(255, 255, 255, 0.85);
  display: flex;
  flex-direction: column;
  align-items: center;
  transition: transform 0.28s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.28s ease, border-color 0.28s ease;
  cursor: pointer;
}

.loan-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg), 0 12px 30px rgba(255, 36, 101, 0.18);
  border-color: rgba(255, 36, 101, 0.25);
}

.card-icon-badge {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  margin-bottom: 18px;
  transition: transform 0.25s ease;
}

.loan-card:hover .card-icon-badge {
  transform: scale(1.12);
}

.badge-personal {
  background: var(--badge-pink-bg);
  color: var(--badge-pink-color);
}

.badge-home {
  background: var(--badge-rose-bg);
  color: var(--badge-rose-color);
}

.badge-education {
  background: var(--badge-purple-bg);
  color: var(--badge-purple-color);
}

.badge-business {
  background: var(--badge-orange-bg);
  color: var(--badge-orange-color);
}

.loan-card h3 {
  font-size: clamp(17px, 1.4vw, 19px);
  font-weight: 700;
  color: var(--dark-indigo);
  margin: 0 0 8px;
  letter-spacing: -0.015em;
}

.loan-card p {
  font-size: 13px;
  color: var(--muted);
  margin: 0;
  line-height: 1.5;
}

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

.steps-section {
  padding: 90px clamp(20px, 5vw, 80px);
  max-width: 1280px;
  margin: 0 auto;
}

.section-heading {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 50px;
}

.section-heading h2 {
  font-size: clamp(30px, 3.5vw, 42px);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--dark-navy);
  margin: 12px 0 14px;
}

.section-heading p {
  color: var(--muted);
  font-size: 16px;
  margin: 0;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(20px, 3vw, 36px);
}

.step-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(28px, 3.5vw, 38px) clamp(22px, 3vw, 30px);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  position: relative;
  overflow: hidden;
}

.step-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: rgba(255, 36, 101, 0.2);
}

.step-badge {
  display: inline-block;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.08em;
  background: var(--text-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  padding: 4px 0;
  margin-bottom: 12px;
}

.step-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--dark-navy);
  margin: 0 0 10px;
}

.step-card p {
  font-size: 14px;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
}

/* ==========================================================================
   RATES & FEES SECTION
   ========================================================================== */

.rates-section {
  background: var(--deep-purple-bg);
  color: var(--white);
  padding: clamp(60px, 7vw, 90px) clamp(20px, 6vw, 90px);
  margin: 40px auto;
  border-radius: 32px;
  max-width: 1280px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  box-shadow: 0 24px 60px rgba(24, 13, 56, 0.25);
  position: relative;
  overflow: hidden;
}

.rates-section::after {
  content: '';
  position: absolute;
  top: -100px;
  right: -80px;
  width: 320px;
  height: 320px;
  background: radial-gradient(circle, rgba(255, 36, 101, 0.3) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.rates-section > div {
  max-width: 740px;
  z-index: 2;
}

.rates-section .eyebrow {
  color: #fda4af;
}

.rates-section h2 {
  font-size: clamp(28px, 3.4vw, 40px);
  font-weight: 800;
  letter-spacing: -0.025em;
  color: var(--white);
  margin: 12px 0 14px;
}

.rates-section p {
  color: #e2e8f0;
  font-size: 15px;
  line-height: 1.7;
  margin: 0;
}

.rates-section .button {
  flex-shrink: 0;
  z-index: 2;
}

/* ==========================================================================
   FAQS SECTION
   ========================================================================== */

.faq-section {
  max-width: 900px;
  margin: 0 auto;
  padding: 80px clamp(20px, 5vw, 60px);
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-list details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
}

.faq-list details[open] {
  border-color: rgba(255, 36, 101, 0.3);
  box-shadow: var(--shadow-md);
}

.faq-list summary {
  cursor: pointer;
  list-style: none;
  font-weight: 700;
  font-size: 16px;
  color: var(--dark-navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-toggle-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #f1f5f9;
  color: var(--primary-pink);
  display: grid;
  place-items: center;
  font-size: 16px;
  font-weight: 700;
  flex-shrink: 0;
  transition: transform 0.25s ease, background 0.25s ease;
}

.faq-list details[open] .faq-toggle-icon {
  background: var(--primary-pink);
  color: var(--white);
  transform: rotate(45deg);
}

.faq-list details p {
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}

/* ==========================================================================
   SITE FOOTER
   ========================================================================== */

.site-footer {
  padding: 50px clamp(20px, 5vw, 80px) 35px;
  background: #f8fafc;
  border-top: 1px solid var(--line);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}

.site-footer > p {
  font-size: 12px;
  color: var(--muted);
  max-width: 400px;
  margin: 0;
  line-height: 1.6;
}

.footer-links {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-secondary);
}

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

.site-footer > small {
  width: 100%;
  color: var(--light-muted);
  font-size: 12px;
  padding-top: 20px;
  border-top: 1px solid #e2e8f0;
}

/* ==========================================================================
   APPLICATION PAGE (apply.html)
   ========================================================================== */

.application-page {
  min-height: 100vh;
  background: radial-gradient(circle at 50% -10%, #fff1f4 0%, #fbf8fc 40%, #ffffff 100%);
  display: flex;
  flex-direction: column;
}

.application-header {
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
}

.exit-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  padding: 8px 18px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--line);
  background: var(--white);
  transition: all 0.2s ease;
}

.exit-link:hover {
  color: var(--primary-pink);
  border-color: rgba(255, 36, 101, 0.3);
  background: #fff5f7;
}

.question-shell {
  max-width: 820px;
  width: 100%;
  margin: 40px auto 50px;
  padding: 0 24px;
  flex: 1;
}

.question-progress {
  max-width: 600px;
  margin: 0 auto 36px;
}

.progress-meta {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: var(--muted);
  margin-bottom: 10px;
}

#progressPercent {
  color: var(--primary-pink);
  font-weight: 800;
}

.progress-track {
  height: 6px;
  border-radius: var(--radius-pill);
  background: #e2e8f0;
  overflow: hidden;
}

.progress-track div {
  height: 100%;
  width: 8%;
  background: var(--wave-gradient);
  transition: width 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  border-radius: var(--radius-pill);
  box-shadow: 0 0 10px rgba(255, 36, 101, 0.4);
}

.question-layout {
  background: var(--white);
  border-radius: 24px;
  padding: clamp(32px, 5vw, 54px);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(241, 245, 249, 0.9);
  position: relative;
}

.question-kicker {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.18em;
  color: var(--primary-pink);
  text-transform: uppercase;
  margin-bottom: 12px;
}

.question-content h1 {
  font-size: clamp(26px, 3.5vw, 36px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.025em;
  color: var(--dark-navy);
  margin: 0 0 12px;
}

.question-help {
  font-size: 15px;
  color: var(--muted);
  margin-bottom: 30px;
  line-height: 1.6;
}

/* Question Option Tiles */
.answer-list {
  display: grid;
  gap: 12px;
}

.answer-option {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  min-height: 64px;
  border: 1.5px solid #e2e8f0;
  background: #f8fafc;
  border-radius: var(--radius-md);
  padding: 16px 20px;
  text-align: left;
  font-family: var(--font-main);
  font-size: 15px;
  font-weight: 600;
  color: var(--ink-secondary);
  cursor: pointer;
  transition: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
}

.answer-option:hover {
  border-color: var(--primary-pink);
  background: #fff5f7;
  transform: translateY(-2px);
}

.answer-option.selected {
  background: #fff1f4;
  border: 2px solid var(--primary-pink);
  color: var(--dark-navy);
  box-shadow: 0 4px 16px rgba(255, 36, 101, 0.16);
}

.radio-mark {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  border-radius: 50%;
  border: 2px solid #cbd5e1;
  background: var(--white);
  display: grid;
  place-items: center;
  transition: all 0.2s ease;
}

.selected .radio-mark {
  border-color: var(--primary-pink);
  background: var(--primary-pink);
  box-shadow: 0 0 0 3px rgba(255, 36, 101, 0.2);
}

.selected .radio-mark::after {
  content: "";
  height: 8px;
  width: 8px;
  background: var(--white);
  border-radius: 50%;
}

/* Form Inputs */
.field-wrap {
  display: grid;
  gap: 8px;
}

.field-wrap label {
  font-size: 14px;
  font-weight: 700;
  color: var(--dark-navy);
}

.field-wrap input,
.field-wrap select,
.field-wrap textarea {
  width: 100%;
  padding: 16px 18px;
  border: 1.5px solid #cbd5e1;
  border-radius: var(--radius-sm);
  background: #f8fafc;
  font-family: var(--font-main);
  font-size: 15px;
  color: var(--ink);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
}

.field-wrap input:focus,
.field-wrap select:focus,
.field-wrap textarea:focus {
  border-color: var(--primary-pink);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(255, 36, 101, 0.15);
}

.field-note {
  font-size: 13px;
  color: var(--muted);
  margin: 2px 0 0;
}

.field-error {
  color: #e11d48;
  font-size: 14px;
  font-weight: 600;
  margin: 12px 0 0;
  min-height: 20px;
}

.question-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 32px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}

.back-button {
  border: 0;
  background: transparent;
  color: var(--muted);
  font-family: var(--font-main);
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  padding: 10px 0;
  transition: color 0.2s;
}

.back-button:hover {
  color: var(--dark-navy);
}

.back-button:disabled {
  visibility: hidden;
}

.completion-panel {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: #f8fafc;
}

.completion-panel h2 {
  color: var(--dark-navy);
  font-size: 22px;
  font-weight: 800;
  margin: 0 0 16px;
}

.completion-panel p {
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}

.consent-line {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 20px;
  font-size: 14px;
  font-weight: 600;
  color: var(--dark-navy);
  cursor: pointer;
}

.consent-line input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--primary-pink);
  cursor: pointer;
}

.application-footer {
  display: flex;
  justify-content: center;
  gap: 24px;
  padding: 24px;
  color: var(--light-muted);
  font-size: 12px;
  border-top: 1px solid var(--line);
  margin-top: auto;
}

.application-footer a {
  color: var(--muted);
}

.application-footer a:hover {
  color: var(--primary-pink);
}

/* ==========================================================================
   RESPONSIVE BREAKPOINTS
   ========================================================================== */

@media (max-width: 1024px) {
  .loans-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 860px) {
  .site-header {
    padding: 14px 20px;
  }

  .hero {
    grid-template-columns: 1fr;
    text-align: center;
    padding-top: 40px;
  }

  .hero h1 {
    max-width: 100%;
  }

  .hero-copy > p {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-actions {
    justify-content: center;
  }

  .trust-note {
    justify-content: center;
  }

  .hero-composition {
    max-width: 400px;
    margin: 20px auto 0;
  }

  .steps-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .rates-section {
    flex-direction: column;
    text-align: center;
    padding: 48px 24px;
  }

  .rates-section > div {
    max-width: 100%;
  }
}

@media (max-width: 640px) {
  .desktop-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 20px 24px;
    box-shadow: var(--shadow-lg);
    flex-direction: column;
    align-items: flex-start;
    border-bottom: 1px solid var(--line);
  }

  .desktop-nav.open {
    display: flex;
  }

  .menu-toggle {
    display: block;
  }

  .loans-cards-grid {
    grid-template-columns: 1fr;
  }

  .hero-composition {
    max-width: 310px;
    margin-top: 15px;
  }

  .badge-top-left {
    left: -10px;
    top: 6%;
    padding: 8px 14px;
    gap: 8px;
  }

  .badge-bottom-right {
    right: -10px;
    bottom: 4%;
    padding: 8px 14px;
    gap: 8px;
  }

  .script-words {
    font-size: 20px;
  }

  .script-arrow {
    width: 38px;
    height: 38px;
  }

  .site-footer {
    flex-direction: column;
    align-items: flex-start;
  }

  .footer-links {
    flex-direction: column;
    gap: 12px;
  }

  .question-shell {
    padding: 0 16px;
    margin-top: 24px;
  }

  .question-layout {
    padding: 24px 18px;
  }
}