/* ============================================
   LOAN LANDING PAGE - COMPLETE STYLESHEET
   ============================================ */

/* -------- CSS VARIABLES / DESIGN TOKENS -------- */
:root {
    /* Primary Colors */
    --primary: #0ea676;
    --primary-dark: #0a8a62;
    --primary-light: #12c48c;
    --primary-gradient: linear-gradient(135deg, #0ea676 0%, #0cc98e 50%, #14e6a0 100%);
    
    /* Secondary / Accent */
    --accent: #1a56db;
    --accent-dark: #1444b0;
    --accent-light: #3b82f6;
    
    /* Neutral Colors */
    --dark: #0f172a;
    --dark-2: #1e293b;
    --dark-3: #334155;
    --gray-900: #111827;
    --gray-800: #1f2937;
    --gray-700: #374151;
    --gray-600: #4b5563;
    --gray-500: #6b7280;
    --gray-400: #9ca3af;
    --gray-300: #d1d5db;
    --gray-200: #e5e7eb;
    --gray-100: #f3f4f6;
    --gray-50: #f9fafb;
    --white: #ffffff;
    
    /* Status Colors */
    --success: #10b981;
    --warning: #f59e0b;
    --error: #ef4444;
    --info: #3b82f6;
    
    /* Typography */
    --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --font-display: 'Plus Jakarta Sans', 'Inter', sans-serif;
    
    /* Font Sizes */
    --text-xs: 0.75rem;
    --text-sm: 0.875rem;
    --text-base: 1rem;
    --text-lg: 1.125rem;
    --text-xl: 1.25rem;
    --text-2xl: 1.5rem;
    --text-3xl: 1.875rem;
    --text-4xl: 2.25rem;
    --text-5xl: 3rem;
    --text-6xl: 3.75rem;
    
    /* Spacing */
    --space-1: 0.25rem;
    --space-2: 0.5rem;
    --space-3: 0.75rem;
    --space-4: 1rem;
    --space-5: 1.25rem;
    --space-6: 1.5rem;
    --space-8: 2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-16: 4rem;
    --space-20: 5rem;
    --space-24: 6rem;
    
    /* Border Radius */
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --radius-2xl: 1.5rem;
    --radius-full: 9999px;
    
    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);
    --shadow-2xl: 0 25px 50px -12px rgba(0,0,0,0.25);
    --shadow-glow: 0 0 40px rgba(14, 166, 118, 0.15);
    
    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 250ms ease;
    --transition-slow: 350ms ease;
    
    /* Container */
    --container-max: 1200px;
    --container-padding: 1.5rem;
}

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

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-primary);
    font-size: var(--text-base);
    line-height: 1.6;
    color: var(--gray-700);
    background-color: var(--white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

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

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

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

ul, ol {
    list-style: none;
}

button, input, select, textarea {
    font-family: inherit;
    font-size: inherit;
    border: none;
    outline: none;
    background: none;
}

button {
    cursor: pointer;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    color: var(--dark);
    line-height: 1.2;
    font-weight: 700;
}

/* -------- UTILITIES -------- */
.container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-padding);
}

.section {
    padding: var(--space-20) 0;
}

.section--gray {
    background-color: var(--gray-50);
}

.section--dark {
    background-color: var(--dark);
    color: var(--gray-300);
}

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

.section__title {
    font-size: var(--text-4xl);
    margin-bottom: var(--space-4);
    color: var(--dark);
}

.section__subtitle {
    font-size: var(--text-lg);
    color: var(--gray-500);
    max-width: 640px;
    margin: 0 auto var(--space-12);
    line-height: 1.7;
}

/* -------- ANIMATIONS -------- */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeInLeft {
    from { opacity: 0; transform: translateX(-30px); }
    to { opacity: 1; transform: translateX(0); }
}

@keyframes fadeInRight {
    from { opacity: 0; transform: translateX(30px); }
    to { opacity: 1; transform: translateX(0); }
}

@keyframes float {
    0%, 100% { transform: translateY(0px); }
    50% { transform: translateY(-10px); }
}

@keyframes pulse-glow {
    0%, 100% { box-shadow: 0 0 0 0 rgba(14, 166, 118, 0.4); }
    50% { box-shadow: 0 0 0 15px rgba(14, 166, 118, 0); }
}

@keyframes shimmer {
    0% { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}

@keyframes countUp {
    from { opacity: 0; transform: scale(0.5); }
    to { opacity: 1; transform: scale(1); }
}

.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.animated {
    opacity: 1;
    transform: translateY(0);
}

.animate-on-scroll.animated.delay-1 { transition-delay: 0.1s; }
.animate-on-scroll.animated.delay-2 { transition-delay: 0.2s; }
.animate-on-scroll.animated.delay-3 { transition-delay: 0.3s; }
.animate-on-scroll.animated.delay-4 { transition-delay: 0.4s; }

/* ============================================
   HEADER / NAVBAR
   ============================================ */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: var(--space-4) 0;
    transition: all var(--transition-base);
}

.header.scrolled {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    box-shadow: var(--shadow-md);
    padding: var(--space-3) 0;
}

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

.header__logo {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    text-decoration: none;
}

.header__logo-icon {
    width: 42px;
    height: 42px;
    background: linear-gradient(135deg, #0ea676 0%, #059669 50%, #0284c7 100%);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    box-shadow: 0 4px 14px rgba(14, 166, 118, 0.35);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.header__logo:hover .header__logo-icon {
    transform: translateY(-1px) scale(1.05);
    box-shadow: 0 6px 20px rgba(14, 166, 118, 0.45);
}

.header__logo-text {
    font-family: var(--font-display);
    font-size: var(--text-xl);
    font-weight: 800;
    color: var(--white);
    transition: color var(--transition-fast);
    letter-spacing: -0.02em;
}

.logo-accent {
    color: #10b981;
}

.header.scrolled .header__logo-text {
    color: var(--dark);
}

.header.scrolled .logo-accent {
    color: var(--primary);
}

.header__tagline {
    font-size: var(--text-sm);
    color: rgba(255, 255, 255, 0.8);
    display: none;
}

.header.scrolled .header__tagline {
    color: var(--gray-500);
}

@media (min-width: 768px) {
    .header__tagline {
        display: block;
    }
}

.header__cta {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-2) var(--space-5);
    background: rgba(255, 255, 255, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.25);
    border-radius: var(--radius-full);
    color: var(--white);
    font-size: var(--text-sm);
    font-weight: 600;
    transition: all var(--transition-base);
    backdrop-filter: blur(10px);
}

.header.scrolled .header__cta {
    background: var(--primary);
    border-color: var(--primary);
    color: var(--white);
}

.header__cta:hover {
    background: rgba(255, 255, 255, 0.25);
    color: var(--white);
    transform: translateY(-1px);
}

.header.scrolled .header__cta:hover {
    background: var(--primary-dark);
}

.header__cta-icon {
    width: 16px;
    height: 16px;
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: linear-gradient(135deg, var(--dark) 0%, #1a2744 50%, #1e3a5f 100%);
}

.hero__bg {
    position: absolute;
    inset: 0;
    z-index: 1;
}

.hero__bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.35;
}

.hero__bg::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(15, 23, 42, 0.85) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(15, 23, 42, 0.4) 100%);
}

.hero__content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-12);
    align-items: center;
    padding: 120px 0 80px;
}

@media (min-width: 992px) {
    .hero__content {
        grid-template-columns: 1fr 1fr;
        padding: 140px 0 100px;
    }
}

.hero__text {
    animation: fadeInLeft 0.8s ease forwards;
}

.hero__badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-2) var(--space-4);
    background: rgba(14, 166, 118, 0.15);
    border: 1px solid rgba(14, 166, 118, 0.3);
    border-radius: var(--radius-full);
    color: var(--primary-light);
    font-size: var(--text-sm);
    font-weight: 600;
    margin-bottom: var(--space-6);
}

.hero__badge-dot {
    width: 8px;
    height: 8px;
    background: var(--primary);
    border-radius: 50%;
    animation: pulse-glow 2s infinite;
}

.hero__title {
    font-size: clamp(2.25rem, 5vw, 3.75rem);
    color: var(--white);
    line-height: 1.1;
    margin-bottom: var(--space-6);
    letter-spacing: -0.02em;
}

.hero__title span {
    background: var(--primary-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero__subtitle {
    font-size: var(--text-lg);
    color: var(--gray-400);
    line-height: 1.7;
    margin-bottom: var(--space-8);
    max-width: 500px;
}

.hero__checks {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
}

.hero__check {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    color: var(--gray-300);
    font-size: var(--text-base);
}

.hero__check-icon {
    width: 22px;
    height: 22px;
    background: rgba(14, 166, 118, 0.2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.hero__check-icon svg {
    width: 12px;
    height: 12px;
    color: var(--primary-light);
}

/* ============================================
   HERO FORM (Short Pre-Qualification Form)
   ============================================ */
.hero__form-wrapper {
    animation: fadeInRight 0.8s ease 0.2s forwards;
    opacity: 0;
}

.hero__form {
    background: var(--white);
    border-radius: var(--radius-2xl);
    padding: var(--space-8);
    box-shadow: var(--shadow-2xl), 0 0 60px rgba(14, 166, 118, 0.1);
    position: relative;
    overflow: hidden;
}

.hero__form::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--primary-gradient);
}

.hero__form-title {
    font-size: var(--text-2xl);
    color: var(--dark);
    margin-bottom: var(--space-2);
    text-align: center;
}

.hero__form-subtitle {
    font-size: var(--text-sm);
    color: var(--gray-500);
    text-align: center;
    margin-bottom: var(--space-6);
}

.form-group {
    margin-bottom: var(--space-4);
}

.form-group label {
    display: block;
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--dark);
    margin-bottom: var(--space-2);
}

.form-group select,
.form-group input {
    width: 100%;
    padding: var(--space-3) var(--space-4);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    font-size: var(--text-base);
    color: var(--dark);
    background: var(--white);
    transition: all var(--transition-fast);
    appearance: none;
}

.form-group select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%236b7280' d='M6 8.825a.5.5 0 0 1-.354-.146l-4-4a.5.5 0 0 1 .708-.708L6 7.617l3.646-3.646a.5.5 0 0 1 .708.708l-4 4A.5.5 0 0 1 6 8.825z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 40px;
    cursor: pointer;
}

.form-group input:focus,
.form-group select:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(14, 166, 118, 0.15);
}

.form-group input::placeholder {
    color: var(--gray-400);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-2);
    padding: var(--space-4) var(--space-8);
    border-radius: var(--radius-lg);
    font-weight: 700;
    font-size: var(--text-base);
    transition: all var(--transition-base);
    cursor: pointer;
    border: none;
    position: relative;
    overflow: hidden;
}

.btn--primary {
    background: var(--primary-gradient);
    color: var(--white);
    box-shadow: 0 4px 15px rgba(14, 166, 118, 0.35);
    width: 100%;
    padding: var(--space-4);
    font-size: var(--text-lg);
}

.btn--primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(14, 166, 118, 0.45);
}

.btn--primary:active {
    transform: translateY(0);
}

.btn--primary::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
    background-size: 200% 100%;
    animation: shimmer 3s infinite;
}

.btn--outline {
    background: transparent;
    color: var(--white);
    border: 2px solid rgba(255, 255, 255, 0.3);
    padding: var(--space-3) var(--space-6);
}

.btn--outline:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.5);
    color: var(--white);
}

.btn--white {
    background: var(--white);
    color: var(--primary);
    font-weight: 700;
    box-shadow: var(--shadow-lg);
}

.btn--white:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-xl);
}

.btn__arrow {
    transition: transform var(--transition-fast);
}

.btn:hover .btn__arrow {
    transform: translateX(4px);
}

.form__consent {
    font-size: var(--text-xs);
    color: var(--gray-500);
    line-height: 1.5;
    margin-top: var(--space-4);
}

.form__consent a {
    color: var(--primary);
    text-decoration: underline;
}

.form__security {
    display: flex;
    align-items: center;
    gap: var(--space-2);
    margin-top: var(--space-4);
    padding-top: var(--space-4);
    border-top: 1px solid var(--gray-100);
}

.form__security-icon {
    width: 20px;
    height: 20px;
    color: var(--primary);
    flex-shrink: 0;
}

.form__security-text {
    font-size: var(--text-xs);
    color: var(--gray-500);
    font-weight: 500;
}

/* ============================================
   TRUST BADGES
   ============================================ */
.trust-bar {
    background: var(--white);
    border-bottom: 1px solid var(--gray-100);
    padding: var(--space-6) 0;
}

.trust-bar__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-6);
}

@media (min-width: 768px) {
    .trust-bar__grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.trust-bar__item {
    display: flex;
    align-items: center;
    gap: var(--space-3);
}

.trust-bar__icon {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, rgba(14, 166, 118, 0.1), rgba(14, 166, 118, 0.05));
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.trust-bar__icon svg {
    width: 24px;
    height: 24px;
    color: var(--primary);
}

.trust-bar__label strong {
    display: block;
    font-size: var(--text-sm);
    color: var(--dark);
    font-weight: 700;
}

.trust-bar__label span {
    font-size: var(--text-xs);
    color: var(--gray-500);
}

/* ============================================
   FEATURES SECTION
   ============================================ */
.features {
    padding: var(--space-20) 0;
    background: var(--gray-50);
}

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

@media (min-width: 768px) {
    .features__grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .features__grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.feature-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--space-8);
    text-align: center;
    transition: all var(--transition-base);
    border: 1px solid var(--gray-100);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--primary-gradient);
    transform: scaleX(0);
    transition: transform var(--transition-base);
}

.feature-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: transparent;
}

.feature-card:hover::before {
    transform: scaleX(1);
}

.feature-card__icon {
    width: 64px;
    height: 64px;
    margin: 0 auto var(--space-5);
    background: linear-gradient(135deg, rgba(14, 166, 118, 0.12), rgba(14, 166, 118, 0.04));
    border-radius: var(--radius-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
}

.feature-card:hover .feature-card__icon {
    background: var(--primary-gradient);
    transform: scale(1.1);
}

.feature-card__icon svg {
    width: 28px;
    height: 28px;
    color: var(--primary);
    transition: color var(--transition-base);
}

.feature-card:hover .feature-card__icon svg {
    color: var(--white);
}

.feature-card__title {
    font-size: var(--text-xl);
    margin-bottom: var(--space-3);
    color: var(--dark);
}

.feature-card__text {
    font-size: var(--text-sm);
    color: var(--gray-500);
    line-height: 1.7;
}

/* ============================================
   HOW IT WORKS
   ============================================ */
.how-it-works {
    padding: var(--space-20) 0;
    background: var(--white);
}

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

@media (min-width: 768px) {
    .steps__grid {
        grid-template-columns: repeat(3, 1fr);
        gap: var(--space-12);
    }
}

/* Connector line between steps */
@media (min-width: 768px) {
    .steps__grid::before {
        content: '';
        position: absolute;
        top: 52px;
        left: calc(16.67% + 30px);
        right: calc(16.67% + 30px);
        height: 2px;
        background: linear-gradient(90deg, var(--primary), var(--gray-200), var(--primary));
        z-index: 0;
    }
}

.step-card {
    text-align: center;
    position: relative;
    z-index: 1;
}

.step-card__number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    background: var(--primary-gradient);
    border-radius: 50%;
    color: var(--white);
    font-weight: 800;
    font-size: var(--text-lg);
    margin-bottom: var(--space-6);
    box-shadow: 0 4px 15px rgba(14, 166, 118, 0.3);
    position: relative;
}

.step-card__number::after {
    content: '';
    position: absolute;
    inset: -4px;
    border-radius: 50%;
    border: 2px dashed rgba(14, 166, 118, 0.3);
}

.step-card__icon {
    width: 80px;
    height: 80px;
    margin: 0 auto var(--space-5);
    background: var(--gray-50);
    border-radius: var(--radius-2xl);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
}

.step-card:hover .step-card__icon {
    background: linear-gradient(135deg, rgba(14, 166, 118, 0.1), rgba(14, 166, 118, 0.05));
    transform: translateY(-5px);
}

.step-card__icon svg {
    width: 36px;
    height: 36px;
    color: var(--primary);
}

.step-card__title {
    font-size: var(--text-xl);
    margin-bottom: var(--space-3);
}

.step-card__text {
    font-size: var(--text-sm);
    color: var(--gray-500);
    line-height: 1.7;
    max-width: 300px;
    margin: 0 auto;
}

/* ============================================
   FAQ SECTION
   ============================================ */
.faq {
    padding: var(--space-20) 0;
    background: var(--gray-50);
}

.faq__grid {
    max-width: 800px;
    margin: 0 auto;
}

.faq__item {
    background: var(--white);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-3);
    border: 1px solid var(--gray-100);
    overflow: hidden;
    transition: all var(--transition-base);
}

.faq__item:hover {
    border-color: var(--gray-200);
    box-shadow: var(--shadow-sm);
}

.faq__question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: var(--space-5) var(--space-6);
    font-size: var(--text-base);
    font-weight: 600;
    color: var(--dark);
    text-align: left;
    cursor: pointer;
    transition: color var(--transition-fast);
}

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

.faq__icon {
    width: 24px;
    height: 24px;
    color: var(--gray-400);
    transition: transform var(--transition-base);
    flex-shrink: 0;
}

.faq__item.active .faq__icon {
    transform: rotate(180deg);
    color: var(--primary);
}

.faq__answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
}

.faq__item.active .faq__answer {
    max-height: 500px;
}

.faq__answer-inner {
    padding: 0 var(--space-6) var(--space-5);
    font-size: var(--text-sm);
    color: var(--gray-600);
    line-height: 1.8;
}

/* ============================================
   CTA SECTION
   ============================================ */
.cta {
    position: relative;
    padding: var(--space-20) 0;
    background: linear-gradient(135deg, var(--dark) 0%, #1a2744 100%);
    overflow: hidden;
}

.cta::before {
    content: '';
    position: absolute;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(14, 166, 118, 0.15), transparent 70%);
    top: -250px;
    right: -100px;
    border-radius: 50%;
}

.cta__content {
    position: relative;
    z-index: 1;
    text-align: center;
}

.cta__title {
    font-size: clamp(2rem, 4vw, var(--text-5xl));
    color: var(--white);
    margin-bottom: var(--space-4);
}

.cta__text {
    font-size: var(--text-lg);
    color: var(--gray-400);
    max-width: 600px;
    margin: 0 auto var(--space-8);
    line-height: 1.7;
}

.cta__buttons {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-4);
}

@media (min-width: 600px) {
    .cta__buttons {
        flex-direction: row;
        justify-content: center;
    }
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
    background: var(--gray-900);
    color: var(--gray-400);
    padding-top: var(--space-16);
}

.footer__top {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-10);
    padding-bottom: var(--space-10);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

@media (min-width: 768px) {
    .footer__top {
        grid-template-columns: 2fr 1fr 1fr 1fr;
    }
}

.footer__brand {
    max-width: 300px;
}

.footer__brand .header__logo {
    margin-bottom: var(--space-4);
}

.footer__brand .header__logo-text {
    color: var(--white);
}

.footer__brand-desc {
    font-size: var(--text-sm);
    color: var(--gray-400);
    line-height: 1.7;
}

.footer__heading {
    font-size: var(--text-sm);
    font-weight: 700;
    color: var(--white);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--space-5);
}

.footer__links {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
}

.footer__link {
    font-size: var(--text-sm);
    color: var(--gray-400);
    transition: all var(--transition-fast);
}

.footer__link:hover {
    color: var(--primary-light);
    padding-left: 4px;
}

.footer__disclaimer {
    padding: var(--space-8) 0;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer__disclaimer-text {
    font-size: var(--text-xs);
    color: var(--gray-500);
    line-height: 1.8;
}

.footer__bottom {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
    align-items: center;
    padding: var(--space-6) 0;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

@media (min-width: 768px) {
    .footer__bottom {
        flex-direction: row;
        justify-content: space-between;
    }
}

.footer__copyright {
    font-size: var(--text-xs);
    color: var(--gray-500);
}

.footer__contact {
    font-size: var(--text-xs);
    color: var(--gray-500);
}

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

/* ============================================
   APPLY PAGE - ENHANCED
   ============================================ */
.apply-page {
    min-height: 100vh;
    background: var(--gray-50);
    padding-top: 70px;
}

/* --- Apply Hero Banner --- */
.apply-hero {
    background: linear-gradient(135deg, var(--dark) 0%, #1a2744 100%);
    padding: var(--space-10) 0 var(--space-8);
    text-align: center;
}

.apply-hero__title {
    font-size: var(--text-3xl);
    color: var(--white);
    margin-bottom: var(--space-2);
}

.apply-hero__subtitle {
    color: var(--gray-400);
    font-size: var(--text-base);
    margin-bottom: var(--space-8);
}

/* --- Step Progress Indicator --- */
.apply-steps {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    max-width: 420px;
    margin: 0 auto;
}

.apply-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-2);
}

.apply-step__circle {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: var(--text-sm);
    color: var(--gray-500);
    background: rgba(255, 255, 255, 0.1);
    border: 2px solid rgba(255, 255, 255, 0.15);
    transition: all var(--transition-base);
}

.apply-step__circle svg {
    width: 18px;
    height: 18px;
}

.apply-step.done .apply-step__circle {
    background: var(--primary);
    border-color: var(--primary);
    color: var(--white);
}

.apply-step.active .apply-step__circle {
    background: rgba(14, 166, 118, 0.2);
    border-color: var(--primary);
    color: var(--primary-light);
    box-shadow: 0 0 0 4px rgba(14, 166, 118, 0.15);
}

.apply-step__label {
    font-size: var(--text-xs);
    color: var(--gray-500);
    font-weight: 500;
}

.apply-step.done .apply-step__label {
    color: var(--primary-light);
}

.apply-step.active .apply-step__label {
    color: var(--white);
    font-weight: 600;
}

.apply-step__line {
    width: 60px;
    height: 2px;
    background: rgba(255, 255, 255, 0.1);
    margin: 0 var(--space-2);
    margin-bottom: var(--space-6);
}

.apply-step__line.done {
    background: var(--primary);
}

/* --- Form Container (enhanced) --- */
.apply-page__form-container {
    max-width: 640px;
    margin: -20px auto 0;
    padding: 0 var(--container-padding) var(--space-8);
    position: relative;
    z-index: 2;
}

#_lg_form_ {
    min-height: 400px;
    background: var(--white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}

/* --- Trust Signals Below Form --- */
.apply-trust {
    padding: var(--space-4) 0 var(--space-10);
}

.apply-trust__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
    max-width: 640px;
    margin: 0 auto;
}

.apply-trust__item {
    display: flex;
    align-items: center;
    gap: var(--space-3);
}

.apply-trust__item svg {
    width: 28px;
    height: 28px;
    color: var(--primary);
    flex-shrink: 0;
}

.apply-trust__item strong {
    display: block;
    font-size: var(--text-sm);
    color: var(--dark);
    font-weight: 600;
}

.apply-trust__item span {
    font-size: var(--text-xs);
    color: var(--gray-500);
}

/* --- Apply Page Responsive --- */
@media (max-width: 768px) {
    .apply-hero {
        padding: var(--space-8) 0 var(--space-6);
    }
    
    .apply-hero__title {
        font-size: var(--text-2xl);
    }

    .apply-trust__grid {
        grid-template-columns: 1fr;
        gap: var(--space-4);
        padding: 0 var(--container-padding);
    }
}

@media (max-width: 480px) {
    .apply-hero {
        padding: var(--space-6) 0 var(--space-5);
    }
    
    .apply-hero__title {
        font-size: var(--text-xl);
    }
    
    .apply-hero__subtitle {
        font-size: var(--text-sm);
    }
    
    .apply-step__circle {
        width: 34px;
        height: 34px;
        font-size: var(--text-xs);
    }
    
    .apply-step__line {
        width: 40px;
    }
    
    .apply-step__label {
        font-size: 10px;
    }
    
    .apply-page__form-container {
        padding: 0 var(--space-3) var(--space-6);
    }
}

/* ============================================
   RESPONSIVE BREAKPOINTS — Mobile First
   ============================================ */

/* --- Tablets and below (768px) --- */
@media (max-width: 768px) {
    .hero {
        min-height: auto;
    }
    
    .hero__content {
        padding: 100px 0 60px;
        gap: var(--space-8);
    }
    
    .hero__form {
        padding: var(--space-6);
    }
    
    .section__title {
        font-size: var(--text-3xl);
    }
    
    .section {
        padding: var(--space-16) 0;
    }
    
    .trust-bar__grid {
        gap: var(--space-4);
    }
    
    .features {
        padding: var(--space-12) 0;
    }
    
    .how-it-works {
        padding: var(--space-12) 0;
    }
    
    .faq {
        padding: var(--space-12) 0;
    }
    
    .cta {
        padding: var(--space-12) 0;
    }
    
    .section__subtitle {
        font-size: var(--text-base);
        margin-bottom: var(--space-8);
    }
    
    .feature-card {
        padding: var(--space-6);
    }
    
    .feature-card:hover {
        transform: none;
    }
    
    .step-card__text {
        max-width: 100%;
    }
    
    .faq__question {
        padding: var(--space-4) var(--space-5);
        font-size: var(--text-sm);
        gap: var(--space-3);
    }
    
    .faq__answer-inner {
        padding: 0 var(--space-5) var(--space-4);
    }
    
    .cta__title {
        font-size: var(--text-3xl);
    }
    
    .cta__text {
        font-size: var(--text-base);
    }
}

/* --- Small phones and iPhone SE / Mini (480px and below) --- */
@media (max-width: 480px) {
    :root {
        --container-padding: 1rem;
    }
    
    .hero__title {
        font-size: 2rem;
    }
    
    .hero__form {
        padding: var(--space-5);
    }
    
    .section__title {
        font-size: var(--text-2xl);
    }

    /* Header compact for small screens */
    .header {
        padding: var(--space-3) 0;
    }
    
    .header__logo-icon {
        width: 36px;
        height: 36px;
        border-radius: 10px;
    }
    
    .header__logo-text {
        font-size: var(--text-base);
    }
    
    .header__cta {
        padding: var(--space-2) var(--space-3);
        font-size: var(--text-xs);
    }
    
    .header__cta-icon {
        width: 14px;
        height: 14px;
    }
    
    /* Hero adjustments */
    .hero__content {
        padding: 85px 0 48px;
        gap: var(--space-6);
    }
    
    .hero__badge {
        font-size: var(--text-xs);
        padding: var(--space-1) var(--space-3);
        margin-bottom: var(--space-4);
    }
    
    .hero__subtitle {
        font-size: var(--text-base);
        margin-bottom: var(--space-6);
    }
    
    .hero__check {
        font-size: var(--text-sm);
    }
    
    /* Form touch-friendly inputs */
    .hero__form-title {
        font-size: var(--text-xl);
    }
    
    .hero__form-subtitle {
        font-size: var(--text-xs);
        margin-bottom: var(--space-4);
    }
    
    .form-group {
        margin-bottom: var(--space-3);
    }
    
    /* Prevent iOS zoom on input focus (must be >= 16px) */
    .form-group select,
    .form-group input {
        font-size: 16px;
        padding: var(--space-3) var(--space-4);
        min-height: 48px;
    }
    
    .btn--primary {
        font-size: var(--text-base);
        padding: var(--space-4);
        min-height: 52px;
    }
    
    .form__consent {
        font-size: 11px;
        line-height: 1.6;
    }
    
    /* Trust bar adjustments */
    .trust-bar {
        padding: var(--space-4) 0;
    }
    
    .trust-bar__grid {
        grid-template-columns: 1fr 1fr;
        gap: var(--space-3);
    }
    
    .trust-bar__icon {
        width: 40px;
        height: 40px;
    }
    
    .trust-bar__icon svg {
        width: 20px;
        height: 20px;
    }
    
    .trust-bar__label strong {
        font-size: var(--text-xs);
    }
    
    .trust-bar__label span {
        font-size: 10px;
    }
    
    /* Feature cards */
    .feature-card__icon {
        width: 52px;
        height: 52px;
    }
    
    .feature-card__icon svg {
        width: 24px;
        height: 24px;
    }
    
    .feature-card__title {
        font-size: var(--text-lg);
    }
    
    /* Steps */
    .step-card__icon {
        width: 64px;
        height: 64px;
    }
    
    .step-card__icon svg {
        width: 28px;
        height: 28px;
    }
    
    .step-card__number {
        width: 38px;
        height: 38px;
        font-size: var(--text-base);
        margin-bottom: var(--space-4);
    }
    
    .step-card__title {
        font-size: var(--text-lg);
    }
    
    /* CTA buttons stack vertically */
    .cta__buttons {
        flex-direction: column;
        width: 100%;
    }
    
    .cta__buttons .btn {
        width: 100%;
        justify-content: center;
    }
    
    .cta__title {
        font-size: var(--text-2xl);
    }
    
    .cta__text {
        font-size: var(--text-sm);
    }
    
    /* Footer compact */
    .footer {
        padding-top: var(--space-10);
    }
    
    .footer__top {
        gap: var(--space-8);
    }
    
    .footer__brand {
        max-width: 100%;
    }
    
    .footer__heading {
        margin-bottom: var(--space-3);
    }
    
    .footer__disclaimer {
        padding: var(--space-6) 0;
    }
    
    .footer__disclaimer-text {
        font-size: 10px;
        line-height: 1.7;
    }
    
    .footer__bottom {
        padding: var(--space-4) 0;
    }
}

/* --- Extra small phones (360px and below - iPhone SE 1st gen, Galaxy S) --- */
@media (max-width: 360px) {
    :root {
        --container-padding: 0.75rem;
    }
    
    .hero__title {
        font-size: 1.75rem;
    }
    
    .hero__subtitle {
        font-size: var(--text-sm);
    }
    
    .hero__form {
        padding: var(--space-4);
    }
    
    .hero__form-title {
        font-size: var(--text-lg);
    }
    
    .header__logo-text {
        font-size: var(--text-sm);
    }
    
    .header__logo-icon {
        width: 32px;
        height: 32px;
    }

    .header__cta {
        padding: 6px 10px;
        font-size: 11px;
    }
    
    .section__title {
        font-size: var(--text-xl);
    }
    
    .section__subtitle {
        font-size: var(--text-sm);
    }
    
    .trust-bar__grid {
        grid-template-columns: 1fr;
    }
    
    .feature-card {
        padding: var(--space-5);
    }
}

/* ============================================
   iOS SPECIFIC FIXES
   ============================================ */

/* Safe area support for iPhone X+ (notch, home indicator) */
@supports (padding: env(safe-area-inset-bottom)) {
    .header {
        padding-left: env(safe-area-inset-left);
        padding-right: env(safe-area-inset-right);
    }
    
    .footer__bottom {
        padding-bottom: calc(var(--space-6) + env(safe-area-inset-bottom));
    }
    
    .hero__content {
        padding-left: env(safe-area-inset-left);
        padding-right: env(safe-area-inset-right);
    }
}

/* Prevent iOS text size adjustment */
html {
    -webkit-text-size-adjust: 100%;
    text-size-adjust: 100%;
}

/* Fix iOS input styling */
input[type="text"],
input[type="email"],
input[type="tel"],
select {
    -webkit-appearance: none;
    -moz-appearance: none;
    appearance: none;
    border-radius: var(--radius-lg);
}

/* Smooth scrolling for iOS */
html {
    -webkit-overflow-scrolling: touch;
    scroll-behavior: smooth;
}

/* Fix iOS button styling */
button,
.btn {
    -webkit-appearance: none;
}

/* Touch action optimization */
a, button, input, select, textarea {
    touch-action: manipulation;
}

/* Prevent tap highlight on iOS */
a, button {
    -webkit-tap-highlight-color: rgba(0, 0, 0, 0);
}

/* ============================================
   LANDSCAPE MODE (small height)
   ============================================ */
@media (max-height: 500px) and (orientation: landscape) {
    .hero__content {
        padding: 80px 0 40px;
    }
    
    .hero {
        min-height: auto;
    }
}

/* ============================================
   PRINT STYLES (bonus - SEO friendly)
   ============================================ */
@media print {
    .header,
    .hero__bg,
    .cta,
    .hero__form-wrapper,
    .trust-bar {
        display: none;
    }
    
    .hero {
        background: none;
        min-height: auto;
    }
    
    .hero__title,
    .hero__subtitle,
    .hero__check {
        color: #000;
    }
    
    body {
        font-size: 12pt;
        color: #000;
    }
}