/* ==========================================================================
   Fintech Lead-Generation Design System - Vanilla CSS
   ========================================================================== */

/* 1. Root Variables & Theme Tokens */
:root {
  /* Color Palette */
  --primary-hsl: 222, 47%, 11%;      /* Deep Navy */
  --primary: hsl(var(--primary-hsl));
  --primary-light: hsl(222, 40%, 18%);
  
  --secondary-hsl: 217, 91%, 60%;   /* Premium Cobalt Blue */
  --secondary: hsl(var(--secondary-hsl));
  --secondary-light: hsl(217, 91%, 65%);
  
  --accent-hsl: 38, 92%, 50%;       /* Warm Amber/Gold */
  --accent: hsl(var(--accent-hsl));
  
  --text-main: hsl(215, 25%, 27%);
  --text-muted: hsl(215, 16%, 47%);
  --text-light: hsl(210, 40%, 98%);
  
  --bg-main: hsl(210, 40%, 96%);     /* Warm Cool-Gray */
  --bg-card: hsl(0, 0%, 100%);
  --bg-overlay: rgba(15, 23, 42, 0.4);
  
  --border-color: hsl(214, 32%, 91%);
  --border-focus: var(--secondary);
  --error: hsl(0, 72%, 51%);
  --success: hsl(142, 71%, 45%);

  /* Spacing */
  --space-xs: 0.5rem;
  --space-sm: 0.75rem;
  --space-md: 1.25rem;
  --space-lg: 2rem;
  --space-xl: 3.5rem;
  --space-xxl: 5.5rem;

  /* Typography */
  --font-family-headings: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-family-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Shadows */
  --shadow-sm: 0 1px 3px 0 rgba(15, 23, 42, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.05), 0 2px 4px -2px rgba(15, 23, 42, 0.05);
  --shadow-lg: 0 12px 20px -8px rgba(15, 23, 42, 0.08), 0 4px 6px -2px rgba(15, 23, 42, 0.04);
  --shadow-premium: 0 20px 40px -15px rgba(15, 23, 42, 0.12);

  /* Borders & Radius */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 24px;
  
  /* Transitions */
  --transition-smooth: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-fast: all 0.15s cubic-bezier(0.4, 0, 0.2, 1);
}

/* 2. Global Resets & Accessibility */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-family-body);
  background-color: var(--bg-main);
  color: var(--text-main);
  line-height: 1.6;
  overflow-x: hidden;
  padding-bottom: 0; /* Adjusted for mobile CTA bottom bar in media query */
}

body.menu-open {
  overflow: hidden;
}

/* Keyboard focus indicators */
*:focus-visible {
  outline: 3px solid var(--secondary);
  outline-offset: 2px;
}

/* Screen readers support */
.visually-hidden {
  position: absolute;
  clip-path: inset(50%);
  overflow: hidden;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  border: 0;
  white-space: nowrap;
}

/* Image styling */
img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* 3. Typography Rules */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-family-headings);
  font-weight: 700;
  line-height: 1.25;
  color: var(--primary);
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(2.25rem, 4vw, 3.5rem);
}

h2 {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  margin-bottom: var(--space-sm);
  text-align: center;
}

h3 {
  font-size: clamp(1.25rem, 2vw, 1.5rem);
  margin-bottom: var(--space-xs);
}

p {
  color: var(--text-muted);
}

p.lead {
  font-size: clamp(1rem, 1.2vw, 1.15rem);
  line-height: 1.6;
}

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

.section-subtitle {
  text-align: center;
  max-width: 650px;
  margin: 0 auto var(--space-xl) auto;
  font-size: 1.1rem;
}

/* 4. Layout Blocks */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding-inline: var(--space-md);
}

.section-padding {
  padding-block: var(--space-xxl);
}

.bg-white {
  background-color: var(--bg-card);
}

.bg-dark {
  background-color: var(--primary);
  color: var(--text-light);
}

.bg-dark h2, .bg-dark h3 {
  color: var(--text-light);
}

.bg-dark p {
  color: hsl(215, 20%, 75%);
}

/* 5. Navigation & Header */
.header-main {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-color);
  transition: var(--transition-smooth);
}

.header-scrolled {
  background-color: var(--bg-card);
  box-shadow: var(--shadow-md);
  padding-block: 0.5rem;
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo-link {
  display: flex;
  align-items: center;
  text-decoration: none;
  font-family: var(--font-family-headings);
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--primary);
  letter-spacing: -0.03em;
}

.logo-icon {
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  border-radius: var(--radius-sm);
  margin-right: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.1rem;
  font-weight: 800;
}

.nav-menu-container {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
}

.nav-list {
  display: flex;
  list-style: none;
  gap: var(--space-md);
}

.nav-link {
  text-decoration: none;
  color: var(--text-main);
  font-weight: 500;
  font-size: 0.95rem;
  transition: var(--transition-fast);
  padding: var(--space-xs) var(--space-sm);
  border-radius: var(--radius-sm);
  white-space: nowrap;
}

.nav-link:hover {
  color: var(--secondary);
  background-color: hsl(210, 40%, 94%);
}

.menu-toggle-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--space-xs);
  z-index: 1001;
}

.menu-toggle-btn svg {
  stroke: var(--primary);
  transition: var(--transition-fast);
}

/* 6. Buttons & Interactive Elements */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.75rem;
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  text-decoration: none;
  cursor: pointer;
  transition: var(--transition-smooth);
  border: 2px solid transparent;
  text-align: center;
  gap: 8px;
}

.btn-primary {
  background-color: var(--secondary);
  color: white;
  box-shadow: 0 4px 14px 0 rgba(37, 99, 235, 0.3);
}

.btn-primary:hover {
  background-color: var(--secondary-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px 0 rgba(37, 99, 235, 0.4);
}

.btn-secondary {
  background-color: transparent;
  color: var(--primary);
  border-color: var(--border-color);
}

.btn-secondary:hover {
  background-color: hsl(210, 40%, 94%);
  border-color: var(--primary);
  transform: translateY(-2px);
}

.btn-white {
  background-color: white;
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.btn-white:hover {
  background-color: var(--bg-main);
  transform: translateY(-2px);
}

.btn-whatsapp {
  background-color: #25d366;
  color: white;
  box-shadow: 0 4px 14px 0 rgba(37, 211, 102, 0.3);
}

.btn-whatsapp:hover {
  background-color: #20ba5a;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px 0 rgba(37, 211, 102, 0.4);
}

.btn-sm {
  padding: 0.6rem 1.25rem;
  font-size: 0.85rem;
}

.btn-full {
  width: 100%;
}

/* 7. Hero Components */
.hero-wrapper {
  padding-top: 120px;
  padding-bottom: var(--space-xxl);
  background: radial-gradient(circle at 85% 10%, hsl(215, 60%, 92%) 0%, var(--bg-main) 70%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--space-xl);
  align-items: center;
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.hero-tagline {
  display: inline-flex;
  align-items: center;
  align-self: flex-start;
  padding: 6px 12px;
  background-color: hsl(217, 91%, 95%);
  color: var(--secondary);
  border-radius: 9999px;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.hero-title {
  margin-bottom: var(--space-xs);
  color: var(--primary);
}

.hero-desc {
  margin-bottom: var(--space-md);
  font-size: 1.15rem;
}

.hero-actions {
  display: flex;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.hero-trust-line {
  font-size: 0.85rem;
  color: var(--text-muted);
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: var(--space-sm);
}

.hero-trust-line span {
  display: flex;
  align-items: center;
  gap: 6px;
}

.hero-trust-line span::before {
  content: "✓";
  color: var(--success);
  font-weight: bold;
}

.hero-image-block {
  position: relative;
}

.hero-image-container {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-premium);
  border: 1px solid var(--border-color);
}

.hero-image-container img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  transition: var(--transition-smooth);
}

.hero-image-container:hover img {
  transform: scale(1.03);
}

.floating-card-badge {
  position: absolute;
  bottom: 30px;
  left: -20px;
  background-color: var(--bg-card);
  padding: var(--space-md) var(--space-lg);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-premium);
  border-left: 5px solid var(--secondary);
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  z-index: 10;
  animation: floatAnim 4s ease-in-out infinite;
}

.floating-card-badge h4 {
  font-size: 1rem;
  color: var(--primary);
}

.floating-card-badge ul {
  list-style: none;
  font-size: 0.85rem;
  color: var(--text-muted);
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.floating-card-badge li::before {
  content: "✓ ";
  color: var(--success);
  font-weight: bold;
}

@keyframes floatAnim {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

/* 8. Forms & Inputs styling */
.form-card {
  background-color: var(--bg-card);
  border-radius: var(--radius-lg);
  padding: var(--space-lg) var(--space-xl);
  box-shadow: var(--shadow-premium);
  border: 1px solid var(--border-color);
}

.form-header {
  margin-bottom: var(--space-lg);
  text-align: center;
}

.form-header h3 {
  font-size: 1.5rem;
  color: var(--primary);
  margin-bottom: var(--space-xs);
}

.form-group {
  margin-bottom: 1.25rem;
  position: relative;
}

.form-group-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

.form-label {
  display: block;
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--primary);
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}

.form-control {
  width: 100%;
  min-height: 48px;
  padding: 0.75rem 1rem;
  font-family: var(--font-family-body);
  font-size: 1rem;
  color: var(--text-main);
  background-color: hsl(210, 40%, 98%);
  border: 2.2px solid var(--border-color);
  border-radius: var(--radius-md);
  transition: var(--transition-fast);
}

.form-control:focus {
  outline: none;
  background-color: white;
  border-color: var(--border-focus);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.15);
}

.form-control.input-error {
  border-color: var(--error);
  background-color: hsl(0, 50%, 99%);
}

.form-control.input-error:focus {
  box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.15);
}

/* Custom Select Dropdowns */
select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%23334155' stroke-width='2.5'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' d='M19.5 8.25l-7.5 7.5-7.5-7.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 1.15rem;
  padding-right: 2.5rem;
}

/* Checkbox design matching the Forms Guide */
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  user-select: none;
}

.checkbox-custom {
  position: relative;
  width: 1.25rem;
  height: 1.25rem;
  border: 2px solid var(--border-color);
  border-radius: 4px;
  background-color: white;
  flex-shrink: 0;
  margin-top: 4px;
  transition: var(--transition-fast);
}

input[type="checkbox"]:checked + .checkbox-custom {
  background-color: var(--secondary);
  border-color: var(--secondary);
}

input[type="checkbox"]:checked + .checkbox-custom::after {
  content: "";
  position: absolute;
  left: 5px;
  top: 1px;
  width: 4px;
  height: 8px;
  border: solid white;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

input[type="checkbox"]:focus-visible + .checkbox-custom {
  outline: 2px solid var(--secondary);
  outline-offset: 2px;
}

.checkbox-label-text {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.4;
}

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

.error-message {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--error);
  margin-top: 5px;
  animation: slideInUp 0.2s ease;
}

@keyframes slideInUp {
  from { transform: translateY(3px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}

/* 9. Product Cards */
.products-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  margin-top: var(--space-md);
}

.product-card {
  background-color: var(--bg-card);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border-color);
  transition: var(--transition-smooth);
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
  position: relative;
  overflow: hidden;
}

.product-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 5px;
  background: linear-gradient(90deg, var(--secondary), var(--accent));
  opacity: 0;
  transition: var(--transition-smooth);
}

.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium);
  border-color: hsl(210, 40%, 88%);
}

.product-card:hover::before {
  opacity: 1;
}

.product-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  background-color: hsl(217, 91%, 95%);
  color: var(--secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: var(--space-xs);
}

.product-title {
  color: var(--primary);
}

.product-desc {
  font-size: 1rem;
  flex-grow: 1;
}

/* 10. Why Us Cards & Processes */
.why-us-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--space-lg);
}

.why-card {
  background-color: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  transition: var(--transition-smooth);
  display: flex;
  gap: var(--space-md);
}

.why-card:hover {
  box-shadow: var(--shadow-md);
  border-color: hsl(217, 91%, 90%);
  transform: translateX(3px);
}

.why-num {
  font-family: var(--font-family-headings);
  font-size: 2.25rem;
  font-weight: 800;
  color: hsl(217, 91%, 90%);
  line-height: 1;
  flex-shrink: 0;
}

.why-content h4 {
  font-size: 1.15rem;
  margin-bottom: var(--space-xs);
  color: var(--primary);
}

.why-content p {
  font-size: 0.9rem;
}

/* Process Timelines styling */
.process-timeline {
  position: relative;
  max-width: 800px;
  margin: 0 auto;
}

.process-timeline::before {
  content: "";
  position: absolute;
  top: 0;
  left: 28px;
  height: 100%;
  width: 4px;
  background-color: var(--border-color);
}

.process-step {
  display: flex;
  gap: var(--space-md);
  margin-bottom: var(--space-lg);
  position: relative;
}

.process-step:last-child {
  margin-bottom: 0;
}

.process-badge {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background-color: white;
  border: 4px solid var(--border-color);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--secondary);
  flex-shrink: 0;
  z-index: 1;
  transition: var(--transition-smooth);
}

.process-step:hover .process-badge {
  border-color: var(--secondary);
  color: white;
  background-color: var(--secondary);
}

.process-content {
  background-color: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: var(--space-md) var(--space-lg);
  flex-grow: 1;
  box-shadow: var(--shadow-sm);
}

.process-content h4 {
  color: var(--primary);
  margin-bottom: 4px;
}

.process-content p {
  font-size: 0.95rem;
}

/* 11. EMI Calculator UI */
.calculator-section-layout {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--space-xl);
  align-items: flex-start;
}

.calculator-card {
  background-color: var(--bg-card);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-color);
}

.calc-slider-group {
  margin-bottom: var(--space-lg);
}

.calc-slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}

.calc-label {
  font-weight: 600;
  color: var(--primary);
  font-size: 0.95rem;
}

.calc-input-wrapper {
  display: flex;
  align-items: center;
  gap: 6px;
}

.calc-input-wrapper span {
  font-weight: 600;
  color: var(--text-muted);
}

.calc-number-input {
  width: 90px;
  height: 38px;
  text-align: right;
  font-weight: 700;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-sm);
  padding-inline: 8px;
  font-size: 1rem;
}

.calc-number-input:focus {
  outline: none;
  border-color: var(--secondary);
}

.slider-control {
  width: 100%;
  height: 6px;
  background-color: var(--border-color);
  border-radius: 5px;
  outline: none;
  appearance: none;
  cursor: pointer;
}

.slider-control::-webkit-slider-thumb {
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background-color: var(--secondary);
  border: 3px solid white;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-fast);
}

.slider-control::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background-color: var(--secondary-light);
}

.calculator-output-card {
  background-color: var(--primary);
  color: var(--text-light);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
  position: sticky;
  top: 100px;
}

.output-hero {
  text-align: center;
  padding-bottom: var(--space-md);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.output-hero h4 {
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: hsl(215, 20%, 75%);
  margin-bottom: var(--space-xs);
}

.emi-large-text {
  font-family: var(--font-family-headings);
  font-size: clamp(2rem, 3vw, 2.75rem);
  font-weight: 800;
  color: var(--accent);
  line-height: 1.1;
}

.output-details {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.output-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.95rem;
}

.output-row span:first-child {
  color: hsl(215, 20%, 75%);
}

.output-row span:last-child {
  font-weight: 700;
}

/* Ratio Bar Graphic */
.ratio-visualizer {
  margin-block: var(--space-xs);
}

.ratio-bar-container {
  display: flex;
  height: 12px;
  border-radius: 6px;
  overflow: hidden;
  background-color: rgba(255, 255, 255, 0.1);
  margin-bottom: 8px;
}

#ratio-bar-principal {
  background-color: var(--secondary);
  height: 100%;
  transition: width 0.3s ease;
}

#ratio-bar-interest {
  background-color: var(--accent);
  height: 100%;
  transition: width 0.3s ease;
}

.ratio-legend {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 5px;
}

.legend-color {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.legend-color.principal { background-color: var(--secondary); }
.legend-color.interest { background-color: var(--accent); }

.calculator-disclaimer {
  font-size: 0.75rem;
  color: hsl(215, 20%, 65%) !important;
  line-height: 1.4;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: var(--space-sm);
}

/* 12. Testimonial & FAQ layout */
.why-assistance-block {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--space-lg);
  margin-top: var(--space-lg);
}

.assistance-reason-card {
  background-color: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  box-shadow: var(--shadow-sm);
}

.assistance-reason-card h4 {
  color: var(--primary);
  margin-bottom: var(--space-xs);
}

.assistance-reason-card p {
  font-size: 0.95rem;
}

.faq-container {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.faq-item {
  background-color: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition-smooth);
}

/* Native detail & summary styled nicely */
details.faq-item summary {
  padding: var(--space-md) var(--space-lg);
  font-weight: 700;
  font-family: var(--font-family-headings);
  font-size: 1.05rem;
  color: var(--primary);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  outline: none;
}

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

details.faq-item summary::after {
  content: "+";
  font-size: 1.5rem;
  color: var(--secondary);
  font-weight: bold;
  transition: var(--transition-fast);
}

details[open].faq-item {
  border-color: var(--secondary);
  box-shadow: var(--shadow-md);
}

details[open].faq-item summary::after {
  content: "−";
  transform: rotate(90deg);
}

.faq-answer {
  padding: 0 var(--space-lg) var(--space-md) var(--space-lg);
  font-size: 0.95rem;
  color: var(--text-muted);
  border-top: 1px solid transparent;
  animation: fadeSlideDown 0.3s ease;
}

details[open] .faq-answer {
  border-top-color: var(--border-color);
}

@keyframes fadeSlideDown {
  from { opacity: 0; transform: translateY(-5px); }
  to { opacity: 1; transform: translateY(0); }
}

/* 13. Footer Section & Disclaimer */
.footer-main {
  background-color: var(--primary);
  color: var(--text-light);
  border-top: 4px solid var(--secondary);
}

.footer-top {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 1fr;
  gap: var(--space-xl);
  padding-block: var(--space-xl);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.footer-brand-title {
  color: white;
  font-weight: 800;
  font-size: 1.4rem;
}

.footer-links-col h4, .footer-contact-col h4 {
  color: white;
  font-size: 1.05rem;
  margin-bottom: var(--space-md);
  position: relative;
  padding-bottom: 6px;
}

.footer-links-col h4::after, .footer-contact-col h4::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 30px;
  height: 2px;
  background-color: var(--secondary);
}

.footer-nav {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-nav-link {
  text-decoration: none;
  color: hsl(215, 20%, 75%);
  font-size: 0.9rem;
  transition: var(--transition-fast);
}

.footer-nav-link:hover {
  color: var(--secondary);
  padding-left: 4px;
}

.footer-contact-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
  font-size: 0.9rem;
  color: hsl(215, 20%, 75%);
}

.footer-contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.footer-contact-list a {
  color: hsl(215, 20%, 75%);
  text-decoration: none;
  transition: var(--transition-fast);
}

.footer-contact-list a:hover {
  color: var(--secondary);
}

.footer-bottom {
  padding-block: var(--space-lg);
  font-size: 0.85rem;
  color: hsl(215, 20%, 65%);
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.footer-disclaimer-card {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-md);
  padding: var(--space-md) var(--space-lg);
  line-height: 1.5;
}

.footer-disclaimer-card p {
  color: hsl(215, 20%, 70%) !important;
}

.footer-copyright {
  text-align: center;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: var(--space-md);
}

/* 14. Mobile Sticky Bottom CTA Bar */
.sticky-mobile-cta-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background-color: var(--bg-card);
  border-top: 1px solid var(--border-color);
  box-shadow: 0 -4px 10px rgba(0, 0, 0, 0.05);
  padding: 10px var(--space-md);
  z-index: 990;
  grid-template-columns: 1fr 1.2fr;
  gap: 12px;
}

.sticky-mobile-cta-bar .btn {
  min-height: 48px;
  font-size: 0.95rem;
  padding: 0.6rem;
}

/* Floating WhatsApp widget */
.floating-whatsapp-widget {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background-color: #25d366;
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 15px rgba(37, 211, 102, 0.4);
  z-index: 900;
  transition: var(--transition-smooth);
  text-decoration: none;
}

.floating-whatsapp-widget:hover {
  transform: scale(1.1) rotate(5deg);
  background-color: #20ba5a;
}

.floating-whatsapp-widget svg {
  fill: currentColor;
  width: 32px;
  height: 32px;
}

/* 15. Apply Multi-Step Form Specific Layouts */
.apply-progress-container {
  margin-bottom: var(--space-lg);
}

.apply-progress-text {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--secondary);
  letter-spacing: 0.05em;
  margin-bottom: 6px;
}

.apply-progress-bar-bg {
  width: 100%;
  height: 6px;
  background-color: var(--border-color);
  border-radius: 3px;
  overflow: hidden;
}

.apply-progress-bar-fill {
  width: 50%;
  height: 100%;
  background-color: var(--secondary);
  border-radius: 3px;
  transition: width 0.35s ease;
}

.form-step-panel {
  display: block;
  animation: fadeInPanel 0.3s ease;
}

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

.form-actions-row {
  display: flex;
  gap: var(--space-md);
  margin-top: var(--space-lg);
}

/* Selection Cards inside Form */
.product-selector-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
  margin-bottom: var(--space-md);
}

.selector-option-card {
  border: 2px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  cursor: pointer;
  transition: var(--transition-smooth);
  position: relative;
  text-align: center;
}

.selector-option-card:hover {
  border-color: hsl(217, 91%, 85%);
  background-color: hsl(210, 40%, 98%);
}

.selector-option-card input[type="radio"] {
  position: absolute;
  top: 12px;
  right: 12px;
  accent-color: var(--secondary);
}

.selector-option-card h4 {
  font-size: 1.1rem;
  color: var(--primary);
  margin-bottom: 4px;
}

.selector-option-card p {
  font-size: 0.8rem;
  color: var(--text-muted);
}

.selector-option-card.selected {
  border-color: var(--secondary);
  background-color: hsl(217, 91%, 98%);
}

/* ==========================================================================
   16. Media Queries & Responsiveness
   ========================================================================== */

/* Laptop / Desktop (1024px to 1280px) */
@media (max-width: 1200px) {
  .hero-grid, .calculator-section-layout {
    gap: var(--space-lg);
  }
}

/* Tablet (768px to 1023px) */
@media (max-width: 1023px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
    text-align: center;
  }
  
  .hero-content {
    align-items: center;
  }
  
  .hero-actions {
    justify-content: center;
  }
  
  .hero-trust-line {
    justify-content: center;
  }

  .hero-image-container img {
    height: 380px;
  }
  
  .floating-card-badge {
    left: 20px;
    bottom: -20px;
  }

  .calculator-section-layout {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }
  
  .calculator-output-card {
    position: static;
  }

  .products-grid {
    gap: var(--space-md);
  }
  
  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
  
  .footer-brand {
    grid-column: span 2;
  }
}

/* Navigation collapse on tablet/mobile (below 1025px) */
@media (max-width: 1024px) {
  .menu-toggle-btn {
    display: block;
  }

  .nav-menu-container {
    position: fixed;
    top: 72px;
    right: -100%;
    width: 280px;
    height: calc(100vh - 72px);
    background-color: var(--bg-card);
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    padding: var(--space-lg);
    box-shadow: -5px 5px 15px rgba(0, 0, 0, 0.05);
    transition: right 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: 999;
    border-left: 1px solid var(--border-color);
  }

  .nav-menu-container.nav-active {
    right: 0;
  }

  .nav-list {
    flex-direction: column;
    gap: var(--space-xs);
  }

  .nav-link {
    display: block;
    padding-block: var(--space-sm);
    font-size: 1.1rem;
    border-bottom: 1px solid var(--bg-main);
    white-space: normal;
  }

  .nav-menu-container .btn-primary {
    margin-top: var(--space-md);
    width: 100%;
  }
}

/* Mobile Breakpoints (below 768px) */
@media (max-width: 767px) {
  :root {
    --space-xl: 2.25rem;
    --space-xxl: 3.5rem;
  }

  body {
    padding-bottom: 68px; /* Room for mobile sticky bottom CTA */
  }

  .sticky-mobile-cta-bar {
    display: grid;
  }

  .floating-whatsapp-widget {
    bottom: 80px; /* Shift up so it doesn't overlap the mobile footer CTA */
    right: 20px;
    width: 50px;
    height: 50px;
  }

  .floating-whatsapp-widget svg {
    width: 26px;
    height: 26px;
  }

  /* Forms single column for mobile */
  .form-group-row, .product-selector-row, .products-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
  
  .form-card {
    padding: var(--space-md) var(--space-lg);
  }

  .footer-top {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }
  
  .footer-brand {
    grid-column: span 1;
  }

  .why-us-grid {
    grid-template-columns: 1fr;
  }
  
  .process-timeline::before {
    left: 20px;
  }
  
  .process-badge {
    width: 44px;
    height: 44px;
    font-size: 1rem;
    border-width: 3px;
  }
  
  .process-content {
    padding: var(--space-sm) var(--space-md);
  }
}

/* Touch screen inputs min-height settings matching the Forms Guide */
@media (pointer: coarse) {
  .form-control, select.form-control {
    min-height: 52px;
  }
  
  .btn {
    min-height: 48px;
  }
}

/* Accessibility: respect user preferences for animations */
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  
  *, *::before, *::after {
    animation-delay: -1ms !important;
    animation-duration: -1ms !important;
    animation-iteration-count: 1 !important;
    background-attachment: initial !important;
    scroll-behavior: auto !important;
    transition-duration: 0s !important;
    transition-delay: 0s !important;
  }
  
  .floating-card-badge {
    animation: none;
  }
}

/* ==========================================================================
   17. CRM Dashboard & Pipeline Styles
   ========================================================================== */

/* Leads Table UI */
#leads-data-table {
  border-collapse: separate;
  border-spacing: 0;
}

#leads-data-table th {
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  background-color: var(--primary);
  border-bottom: 2px solid rgba(0, 0, 0, 0.1);
  padding: 16px;
}

#leads-data-table td {
  padding: 16px;
  vertical-align: middle;
}

.lead-row-item {
  transition: var(--transition-fast);
}

.lead-row-item:hover {
  background-color: hsl(210, 40%, 96%);
}

/* Status Badges */
.status-badge {
  display: inline-flex;
  align-items: center;
  padding: 5px 12px;
  border-radius: 9999px;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.badge-new {
  background-color: hsl(38, 92%, 93%);
  color: hsl(38, 92%, 40%);
}

.badge-followed {
  background-color: hsl(271, 91%, 95%);
  color: hsl(271, 91%, 50%);
}

.badge-process {
  background-color: hsl(217, 91%, 93%);
  color: var(--secondary);
}

.badge-lender {
  background-color: hsl(244, 91%, 95%);
  color: hsl(244, 91%, 55%);
}

.badge-disbursed {
  background-color: hsl(142, 71%, 93%);
  color: var(--success);
}

.badge-rejected {
  background-color: hsl(0, 72%, 94%);
  color: var(--error);
}

/* CRM Slide-Out Details Drawer */
.dashboard-drawer {
  position: fixed;
  top: 0;
  right: 0;
  width: 100%;
  max-width: 500px;
  height: 100vh;
  background-color: var(--bg-card);
  box-shadow: -10px 0 30px rgba(15, 23, 42, 0.15);
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 2000;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.dashboard-drawer.drawer-open {
  transform: translateX(0);
}

.drawer-header {
  padding: var(--space-md) var(--space-lg);
  border-bottom: 1px solid var(--border-color);
  display: flex;
  align-items: center;
  justify-content: space-between;
  background-color: var(--primary);
  color: white;
}

.drawer-header h3 {
  color: white;
}

.drawer-close-btn {
  background: none;
  border: none;
  font-size: 2.25rem;
  font-weight: 300;
  color: rgba(255, 255, 255, 0.7);
  cursor: pointer;
  line-height: 1;
  transition: var(--transition-fast);
}

.drawer-close-btn:hover {
  color: white;
  transform: scale(1.1);
}

.drawer-body {
  padding: var(--space-lg);
  overflow-y: auto;
  flex-grow: 1;
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
}

.drawer-section {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.drawer-section-title {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.05em;
  border-bottom: 2px solid var(--border-color);
  padding-bottom: 4px;
  margin-bottom: 8px;
}

/* Background Overlay Drop */
.drawer-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background-color: var(--bg-overlay);
  backdrop-filter: blur(4px);
  z-index: 1999;
  display: none;
  opacity: 0;
  transition: opacity 0.35s ease;
}

.drawer-overlay.overlay-active {
  display: block;
  opacity: 1;
}

@media (max-width: 500px) {
  .dashboard-drawer {
    max-width: 100%;
  }
}

/* CRM Dashboard Multi-Tab and Grid Styles */
.dashboard-grid-layout {
  display: grid;
  grid-template-columns: 2.2fr 1fr;
  gap: var(--space-lg);
}

@media (max-width: 1023px) {
  .dashboard-grid-layout {
    grid-template-columns: 1fr;
  }
}

/* Slide Drawer Tabs */
.drawer-tabs {
  display: flex;
  background-color: var(--bg-main);
  border-bottom: 1px solid var(--border-color);
  padding: 0 10px;
  gap: 5px;
  z-index: 10;
}

.tab-btn {
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  padding: 12px 16px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-muted);
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: var(--font-family-headings);
}

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

.tab-btn.active {
  color: var(--secondary);
  border-bottom-color: var(--secondary);
}

/* Tab Panels Visibility */
.tab-panel {
  display: none;
  animation: fadeInTab 0.3s ease;
}

.tab-panel.active-panel {
  display: block;
}

@keyframes fadeInTab {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Basic details table layout */
.table-basic {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
}

.table-basic th {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  border-bottom: 2px solid var(--border-color);
  padding: 10px;
}

.table-basic td {
  padding: 10px;
  vertical-align: middle;
  border-bottom: 1px solid var(--border-color);
}

/* Form controls sizing for checklists */
.chk-doc-select {
  border: 1px solid var(--border-color);
  border-radius: 4px;
  background-color: white;
  color: var(--primary);
  font-weight: 600;
}