:root{
    --navy: #3c5e60;
    --blue: #6cbcc4;
    --blue-dark: #4a99a1;
    --sky: #eaf6f7;
    --sky-2: #d7edf0;
    --green: #3c5e60;
    --green-dark: #2c4749;
    --gray-600: #57696b;
    --gray-500: #67797b;
    --border: #dbe8e9;
    --white: #ffffff;
  }
  *{box-sizing:border-box; margin:0; padding:0;}
  html{ scroll-behavior:smooth; }
  body{
    font-family:'Inter', sans-serif;
    color: var(--navy);
    background: var(--white);
    line-height:1.5;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3,h4{
    font-family:'Poppins', sans-serif;
    color: var(--navy);
  }
  a{color:inherit; text-decoration:none;}
  img{max-width:100%; display:block;}
  ul{list-style:none;}
  .container{
    max-width:1180px;
    margin:0 auto;
    padding:0 24px;
  }
  button{font-family:inherit; cursor:pointer; border:none;}

  /* ---------- Buttons ---------- */
  .btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    padding:14px 28px;
    border-radius:8px;
    font-weight:700;
    font-size:15px;
    letter-spacing:0.3px;
    transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  }
  .btn-blue{
    background: var(--blue);
    color:#fff;
  }
  .btn-blue:hover{ background: var(--blue-dark); transform: translateY(-1px); }
  .btn-green{
    background: var(--green);
    color:#fff;
  }
  .btn-green:hover{ background: var(--green-dark); transform: translateY(-1px); }
  .btn small-nav{padding:10px 20px;}

  /* ---------- Header ---------- */
  header{
    position:relative;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:20px 0;
    background:#fff;
  }
  .logo{
    display:flex;
    align-items:center;
  }
  .logo-img{
    height:54px;
    width:auto;
  }
  nav ul{
    display:flex;
    gap:36px;
    font-weight:600;
    font-size:15px;
  }
  nav a:hover{ color: var(--blue); }
  nav a[aria-current="page"]{ color: var(--blue); }
  .header-cta{ padding:12px 26px; font-size:14px; }
  .header-help-link{
    font-size:13.5px;
    font-weight:600;
    color: var(--gray-600);
  }
  .header-help-link:hover{ color: var(--blue-dark); }
  .nav-wrap{display:flex; align-items:center; gap:48px;}

  /* Hamburger toggle (hidden on desktop) */
  .nav-toggle{
    display:none;
    background:none;
    padding:8px;
    margin-right:-8px;
    align-items:center;
    justify-content:center;
  }
  .nav-toggle span{
    display:block;
    width:24px;
    height:2.5px;
    border-radius:2px;
    background: var(--navy);
    position:relative;
    transition: background .2s ease;
  }
  .nav-toggle span::before,
  .nav-toggle span::after{
    content:"";
    position:absolute;
    left:0;
    width:24px;
    height:2.5px;
    border-radius:2px;
    background: var(--navy);
    transition: transform .25s ease, top .25s ease, opacity .2s ease;
  }
  .nav-toggle span::before{ top:-8px; }
  .nav-toggle span::after{ top:8px; }
  .nav-toggle[aria-expanded="true"] span{ background:transparent; }
  .nav-toggle[aria-expanded="true"] span::before{ top:0; transform:rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span::after{ top:0; transform:rotate(-45deg); }

  /* Mobile nav drawer */
  .mobile-nav{
    display:none;
    position:fixed;
    inset:0;
    z-index:100;
  }
  .mobile-nav.open{ display:block; }
  .mobile-nav-backdrop{
    position:absolute;
    inset:0;
    background:rgba(13,30,32,0.45);
    opacity:0;
    transition:opacity .25s ease;
  }
  .mobile-nav.open .mobile-nav-backdrop{ opacity:1; }
  .mobile-nav-panel{
    position:absolute;
    top:0; right:0;
    height:100%;
    width:78%;
    max-width:320px;
    background:#fff;
    padding:24px;
    box-shadow:-10px 0 30px rgba(13,30,32,0.2);
    transform:translateX(100%);
    transition:transform .3s ease;
    display:flex;
    flex-direction:column;
  }
  .mobile-nav.open .mobile-nav-panel{ transform:translateX(0); }
  .mobile-nav-header{
    display:flex;
    align-items:center;
    justify-content:space-between;
    margin-bottom:28px;
  }
  .mobile-nav-close{
    background:none;
    width:36px; height:36px;
    display:flex; align-items:center; justify-content:center;
    color: var(--navy);
    border-radius:50%;
  }
  .mobile-nav-close:hover{ background: var(--sky); }
  .mobile-nav-panel ul{
    display:flex;
    flex-direction:column;
    gap:4px;
  }
  .mobile-nav-panel ul li a{
    display:block;
    padding:14px 4px;
    font-size:17px;
    font-weight:600;
    color: var(--navy);
    border-bottom:1px solid var(--border);
  }
  .mobile-nav-panel ul li a:hover{ color: var(--blue); }
  .mobile-nav-panel ul li a[aria-current="page"]{ color: var(--blue); }
  .mobile-nav-panel .btn{
    margin-top:24px;
    width:100%;
  }
  body.nav-locked{ overflow:hidden; }

  /* ---------- Hero ---------- */
  .hero-section{
    position:relative;
    background: linear-gradient(180deg, #f2f9fa 0%, #eaf6f7 100%);
    overflow:hidden;
    padding-bottom:90px;
  }
  .hero-wave{
    position:absolute;
    right:0;
    bottom:0;
    width:55%;
    z-index:0;
    opacity:0.9;
  }
  .hero-grid{
    display:grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap:50px;
    align-items:center;
    padding-top:50px;
    position:relative;
    z-index:1;
  }
  .hero-left h1{
    font-size:52px;
    font-weight:800;
    line-height:1.08;
    color: var(--navy);
  }
  .hero-left .subhead{
    color: var(--blue);
    font-size:21px;
    font-weight:700;
    margin-top:18px;
  }
  .hero-left p.desc{
    margin-top:16px;
    font-size:16px;
    color: var(--gray-600);
    max-width:440px;
  }
  .hero-badges{
    display:flex;
    flex-wrap:wrap;
    gap:24px;
    margin-top:26px;
    font-size:14px;
    font-weight:600;
    color: var(--navy);
  }
  .hero-badges span{
    display:flex;
    align-items:center;
    gap:10px;
  }
  .hero-badges .icon-circle{
    width:30px; height:30px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .hero-left .btn-green{
    margin-top:30px;
    font-size:16px;
    padding:16px 34px;
  }
  .hero-secure{
    display:flex;
    align-items:center;
    gap:8px;
    margin-top:16px;
    font-size:13px;
    color: var(--gray-500);
    font-weight:500;
  }

  /* ---------- How It Works ---------- */
  .how-it-works{
    padding:110px 0 70px;
    text-align:center;
  }
  .how-it-works h2{
    font-size:32px;
    font-weight:700;
  }
  .how-it-works > .container > p{
    color: var(--gray-500);
    margin-top:10px;
    font-size:16px;
  }
  .steps{
    display:flex;
    align-items:flex-start;
    justify-content:center;
    gap:10px;
    margin-top:60px;
  }
  .step{
    width:230px;
    position:relative;
  }
  .step-icon-wrap{
    width:110px; height:110px;
    border-radius:50%;
    background: var(--sky);
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 20px;
    position:relative;
    color: var(--navy);
  }
  .step-num{
    position:absolute;
    top:-4px; left:50%;
    transform:translateX(28px);
    width:28px; height:28px;
    border-radius:50%;
    background: var(--blue);
    color:#fff;
    font-size:13px;
    font-weight:700;
    display:flex; align-items:center; justify-content:center;
  }
  .step-check{
    position:absolute;
    bottom:2px; right:22px;
    width:24px; height:24px;
    border-radius:50%;
    background: var(--green);
    color:#fff;
    font-size:13px;
    display:flex; align-items:center; justify-content:center;
    border:2px solid #fff;
  }
  .step h4{
    font-size:15px;
    font-weight:700;
    letter-spacing:0.5px;
    margin-bottom:10px;
  }
  .step p{
    font-size:13.5px;
    color: var(--gray-500);
    padding:0 6px;
  }
  .step-arrow{
    margin-top:45px;
    color:#a9c8ca;
    flex-shrink:0;
  }

  /* ---------- Page Hero (interior pages) ---------- */
  .hero-eyebrow{
    font-size:13px;
    font-weight:700;
    letter-spacing:1.5px;
    color: var(--blue-dark);
    text-transform:uppercase;
    margin-bottom:14px;
  }
  .hero-illustration{
    position:relative;
    z-index:1;
  }
  .hero-illustration svg{
    width:100%;
    height:auto;
    display:block;
  }

  /* ---------- Submit Flow Band ---------- */
  .submit-flow{
    background: var(--sky);
    padding:50px 0 56px;
    margin:60px 0;
  }
  .submit-flow h2{
    text-align:center;
    font-size:26px;
    font-weight:700;
    margin-bottom:40px;
  }
  .submit-flow-track{
    display:flex;
    align-items:flex-start;
    justify-content:center;
    gap:0;
    flex-wrap:wrap;
  }
  .submit-flow-step{
    width:150px;
    text-align:center;
    position:relative;
    padding:0 4px;
  }
  .submit-flow-icon{
    width:64px; height:64px;
    border-radius:50%;
    background:#fff;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 14px;
    color: var(--navy);
    box-shadow:0 2px 8px rgba(60,94,96,0.1);
  }
  .submit-flow-step p{
    font-size:13px;
    font-weight:600;
    color: var(--navy);
    line-height:1.4;
  }
  .submit-flow-connector{
    width:36px;
    height:2px;
    border-top:2px dashed #b9d6d8;
    margin-top:32px;
    flex-shrink:0;
  }
  @media (max-width: 900px){
    .submit-flow-connector{ display:none; }
    .submit-flow-step{ width:130px; }
  }

  /* ---------- Info Cards (3-up) ---------- */
  .info-cards{
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:24px;
    padding:0 24px 20px;
    max-width:1180px;
    margin:0 auto;
  }
  .info-card{
    border:1px solid var(--border);
    border-radius:14px;
    padding:30px;
  }
  .info-card h3{
    font-size:17px;
    font-weight:700;
    margin-bottom:18px;
  }
  .info-card-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:16px;
  }
  .info-card-icon.is-navy{
    background: var(--navy);
    color:#fff;
  }
  .info-card ul{
    display:flex;
    flex-direction:column;
    gap:12px;
  }
  .info-card ul li{
    display:flex;
    align-items:flex-start;
    gap:10px;
    font-size:14px;
    color: var(--navy);
    font-weight:500;
    line-height:1.5;
  }
  .info-card ul li .dot{
    width:18px; height:18px;
    border-radius:50%;
    background: var(--green);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    font-size:10px;
    flex-shrink:0;
    margin-top:1px;
  }
  .info-card .note{
    margin-top:16px;
    font-size:12px;
    color: var(--gray-500);
    line-height:1.5;
  }
  .info-card .clipboard-mini{
    width:76px;
    margin:0 0 16px;
  }
  .info-card p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:10px;
  }
  .info-card p:last-child{ margin-bottom:0; }
  .info-card p strong{ color: var(--navy); }
  @media (max-width: 900px){
    .info-cards{ grid-template-columns:1fr; }
  }

  .faq-link{
    display:inline-flex;
    align-items:center;
    gap:5px;
    margin-top:10px;
    color: var(--blue-dark);
    font-weight:700;
    font-size:13px;
  }

  /* ---------- Qualify-style Section (reused for Not-a-Lender detail) ---------- */
  .qualify-section{
    max-width:900px;
    margin:56px auto 0;
    padding:0 24px;
    text-align:center;
  }
  .qualify-section h2{
    font-size:26px;
    font-weight:700;
    color: var(--navy);
    margin-bottom:24px;
  }
  .qualify-panel{
    text-align:left;
    border:1px solid var(--border);
    border-radius:14px;
    padding:32px;
  }
  .qualify-panel p{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.6;
  }
  .checklist li{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:14px;
    font-weight:600;
    color: var(--navy);
    margin-bottom:12px;
  }
  .checklist .dot{
    width:19px; height:19px;
    border-radius:50%;
    background: var(--green);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    font-size:10px;
    flex-shrink:0;
  }

  /* ---------- Timeline Items (How long does it take) ---------- */
  .timeline-item{
    display:flex;
    gap:14px;
    padding-bottom:20px;
    margin-bottom:20px;
    border-bottom:1px solid var(--border);
  }
  .timeline-item:last-child{
    border-bottom:none;
    padding-bottom:0;
    margin-bottom:0;
  }
  .timeline-icon{
    width:38px; height:38px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .timeline-item h4{
    font-size:14.5px;
    font-weight:700;
    color: var(--navy);
  }
  .timeline-item .timeline-sub{
    font-size:12.5px;
    font-weight:700;
    color: var(--blue-dark);
    margin-bottom:4px;
  }
  .timeline-item p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.5;
  }

  /* ---------- Two Column: How Long + FAQ ---------- */
  .split-section{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:28px;
    padding:30px 0 60px;
  }
  .panel{
    border:1px solid var(--border);
    border-radius:14px;
    padding:34px;
  }
  .panel h3{
    font-size:20px;
    font-weight:700;
    margin-bottom:20px;
  }
  .faq-item{
    border-bottom:1px solid var(--border);
  }
  .faq-item:first-of-type{ border-top:1px solid var(--border); }
  .faq-q{
    width:100%;
    background:none;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:16px 4px;
    font-size:14.5px;
    font-weight:600;
    color: var(--navy);
    text-align:left;
  }
  .faq-q .plus{
    font-size:20px;
    color: var(--blue);
    font-weight:400;
    transition: transform .2s ease;
  }
  .faq-item.open .faq-q .plus{ transform: rotate(45deg); }
  .faq-a{
    max-height:0;
    overflow:hidden;
    transition: max-height .25s ease;
    font-size:13.5px;
    color: var(--gray-600);
    padding:0 4px;
  }
  .faq-item.open .faq-a{
    max-height:200px;
    padding-bottom:16px;
  }

  /* ---------- Value Props (Quick/Simple/Secure/Transparent) ---------- */
  .value-props{
    max-width:1180px;
    margin:70px auto 0;
    padding:0 24px;
    text-align:center;
  }
  .value-props h2{
    font-size:26px;
    font-weight:700;
  }
  .value-props > p{
    margin-top:8px;
    color: var(--gray-500);
    font-size:15px;
  }
  .value-props-grid{
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:28px;
    margin-top:40px;
  }
  .value-prop-icon{
    width:56px; height:56px;
    border-radius:50%;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 16px;
    color:#fff;
  }
  .value-prop-icon.c-blue{ background: var(--blue); }
  .value-prop-icon.c-green{ background:#3f9d6f; }
  .value-prop-icon.c-purple{ background:#8a7fd0; }
  .value-prop-icon.c-amber{ background:#e0ac52; }
  .value-props-grid h4{
    font-size:16px;
    font-weight:700;
    margin-bottom:8px;
  }
  .value-props-grid p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.55;
  }
  @media (max-width: 900px){
    .value-props-grid{ grid-template-columns: repeat(2, 1fr); }
  }
  @media (max-width: 560px){
    .value-props-grid{ grid-template-columns: 1fr; }
  }

  /* ---------- Value Cards (4-up detail row) ---------- */
  .value-cards{
    max-width:1180px;
    margin:56px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:20px;
  }
  .value-card{
    background: var(--sky);
    border-radius:14px;
    padding:26px;
  }
  .value-card-icon{
    width:40px; height:40px;
    border-radius:50%;
    background:#fff;
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:14px;
  }
  .value-card h4{
    font-size:15px;
    font-weight:700;
    margin-bottom:8px;
  }
  .value-card p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.55;
    margin-bottom:10px;
  }
  .value-card a{
    display:inline-flex;
    align-items:center;
    gap:5px;
    font-size:12.5px;
    font-weight:700;
    color: var(--blue-dark);
    margin-top:2px;
  }
  .value-card a + a{ margin-left:12px; }
  @media (max-width: 900px){
    .value-cards{ grid-template-columns: repeat(2, 1fr); }
  }
  @media (max-width: 560px){
    .value-cards{ grid-template-columns: 1fr; }
  }

  /* ---------- Our Promise Band ---------- */
  .promise-band{
    max-width:1180px;
    margin:70px auto 0;
    padding:0 24px;
  }
  .promise-inner{
    background: var(--sky);
    border-radius:18px;
    display:grid;
    grid-template-columns: 1.2fr 1fr;
    align-items:center;
    overflow:hidden;
  }
  .promise-text{
    padding:44px;
  }
  .promise-icon{
    width:48px; height:48px;
    border-radius:50%;
    background: var(--navy);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    margin-bottom:18px;
  }
  .promise-text h5{
    font-size:12px;
    font-weight:700;
    letter-spacing:0.5px;
    color: var(--blue-dark);
    text-transform:uppercase;
    margin-bottom:6px;
  }
  .promise-text h3{
    font-size:26px;
    font-weight:700;
    margin-bottom:14px;
  }
  .promise-text p{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.65;
    margin-bottom:10px;
  }
  .promise-text p strong{ color: var(--navy); }
  .promise-visual{
    height:100%;
    min-height:280px;
    display:flex;
    align-items:center;
    justify-content:center;
    padding:20px;
  }
  .promise-visual svg{ width:100%; height:auto; max-width:280px; }
  @media (max-width: 800px){
    .promise-inner{ grid-template-columns:1fr; }
    .promise-visual{ order:-1; min-height:220px; }
  }

  /* ---------- Important Info Panel ---------- */
  .important-info{
    max-width:1180px;
    margin:56px auto 60px;
    padding:0 24px;
  }
  .important-info-inner{
    display:flex;
    gap:20px;
    border:1px solid var(--border);
    border-radius:14px;
    padding:30px 34px;
  }
  .important-info-icon{
    width:36px; height:36px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .important-info h4{
    font-size:15px;
    font-weight:700;
    margin-bottom:10px;
  }
  .important-info p{
    font-size:12.5px;
    color: var(--gray-600);
    line-height:1.7;
  }

  /* ---------- How Can We Help Cards ---------- */
  .help-section{
    max-width:1180px;
    margin:0 auto;
    padding:0 24px 20px;
    text-align:center;
  }
  .help-section h2{
    font-size:28px;
    font-weight:700;
  }
  .help-section > p{
    margin-top:8px;
    color: var(--gray-500);
    font-size:15px;
  }
  .help-cards{
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:20px;
    margin-top:36px;
    text-align:left;
  }
  .help-card{
    border:1px solid var(--border);
    border-radius:14px;
    padding:28px 24px;
  }
  .help-card-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:16px;
  }
  .help-card h4{
    font-size:15.5px;
    font-weight:700;
    margin-bottom:8px;
  }
  .help-card p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.55;
    margin-bottom:14px;
  }
  .help-card a{
    display:inline-flex;
    align-items:center;
    gap:5px;
    font-size:12.5px;
    font-weight:700;
    color: var(--blue-dark);
  }
  @media (max-width: 900px){
    .help-cards{ grid-template-columns: repeat(2, 1fr); }
  }
  @media (max-width: 560px){
    .help-cards{ grid-template-columns: 1fr; }
  }

  /* ---------- Contact Form Section ---------- */
  .contact-form-section{
    max-width:1180px;
    margin:64px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: 1.3fr 1fr;
    gap:32px;
    align-items:start;
  }
  .contact-form-panel{
    border:1px solid var(--border);
    border-radius:16px;
    padding:38px;
  }
  .contact-form-panel h2{
    font-size:24px;
    font-weight:700;
    margin-bottom:6px;
  }
  .contact-form-panel > p{
    font-size:14px;
    color: var(--gray-500);
    margin-bottom:26px;
  }
  .form-row{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:16px;
  }
  .form-field{
    margin-bottom:18px;
  }
  .form-field label{
    display:block;
    font-size:13px;
    font-weight:700;
    color: var(--navy);
    margin-bottom:6px;
  }
  .form-field input,
  .form-field select,
  .form-field textarea{
    width:100%;
    padding:12px 14px;
    border:1.5px solid var(--border);
    border-radius:9px;
    font-family:inherit;
    font-size:14px;
    color: var(--navy);
    background: var(--sky);
  }
  .form-field input:focus,
  .form-field select:focus,
  .form-field textarea:focus{
    outline:none;
    border-color: var(--blue);
    background:#fff;
  }
  .form-field textarea{
    min-height:120px;
    resize:vertical;
    font-family:inherit;
  }
  .form-disclosure{
    font-size:12px;
    color: var(--gray-500);
    line-height:1.5;
    margin-top:14px;
  }
  .form-success{
    display:none;
    background: var(--sky);
    border-radius:10px;
    padding:16px 18px;
    font-size:13.5px;
    color: var(--navy);
    font-weight:600;
    margin-top:16px;
    align-items:center;
    gap:10px;
  }
  .form-success.show{ display:flex; }
  .contact-illustration{
    background: var(--sky);
    border-radius:16px;
    padding:34px;
    height:100%;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    text-align:center;
  }
  .contact-illustration svg{ width:100%; max-width:200px; height:auto; margin-bottom:18px; }
  .contact-illustration h4{
    font-size:16px;
    font-weight:700;
    margin-bottom:8px;
  }
  .contact-illustration p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.55;
  }
  @media (max-width: 800px){
    .contact-form-section{ grid-template-columns:1fr; }
    .contact-illustration{ order:-1; padding:26px; }
    .form-row{ grid-template-columns:1fr; }
  }

  /* ---------- Existing Loan Card ---------- */
  .existing-loan{
    max-width:1180px;
    margin:56px auto 0;
    padding:0 24px;
  }
  .existing-loan-inner{
    background:#fdf3f0;
    border:1px solid #f0d9d0;
    border-radius:16px;
    padding:34px;
    display:flex;
    gap:22px;
  }
  .existing-loan-icon{
    width:48px; height:48px;
    border-radius:50%;
    background:#fff;
    color:#c26848;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .existing-loan h3{
    font-size:19px;
    font-weight:700;
    margin-bottom:4px;
  }
  .existing-loan .subhead{
    font-size:14px;
    font-weight:700;
    color:#c26848;
    margin-bottom:12px;
  }
  .existing-loan p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:12px;
  }
  .existing-loan-grid{
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:8px 20px;
    margin:14px 0;
  }
  .existing-loan-grid div{
    display:flex;
    align-items:center;
    gap:7px;
    font-size:13px;
    font-weight:600;
    color: var(--navy);
  }
  .existing-loan-grid div::before{
    content:"";
    width:5px; height:5px;
    border-radius:50%;
    background:#c26848;
    flex-shrink:0;
  }
  @media (max-width: 700px){
    .existing-loan-inner{ flex-direction:column; }
    .existing-loan-grid{ grid-template-columns: repeat(2, 1fr); }
  }

  /* ---------- Privacy Reassurance ---------- */
  .privacy-reassurance{
    max-width:700px;
    margin:64px auto 0;
    padding:0 24px;
    text-align:center;
  }
  .privacy-reassurance h2{
    font-size:24px;
    font-weight:700;
    margin-bottom:10px;
  }
  .privacy-reassurance p{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:20px;
  }
  .privacy-reassurance .links{
    display:flex;
    justify-content:center;
    gap:14px;
    flex-wrap:wrap;
  }
  .privacy-reassurance .links a{
    font-size:13.5px;
    font-weight:700;
    color: var(--blue-dark);
  }

  /* ---------- Reassurance Row ---------- */
  .reassurance-row{
    max-width:1180px;
    margin:0 auto;
    padding:24px 24px 0;
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:16px;
  }
  .reassurance-box{
    display:flex;
    align-items:flex-start;
    gap:14px;
    background:#fff;
    border:1px solid var(--border);
    border-radius:12px;
    padding:18px 20px;
  }
  .reassurance-box .r-icon{
    width:36px; height:36px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .reassurance-box h5{
    font-size:13.5px;
    font-weight:700;
    margin-bottom:2px;
  }
  .reassurance-box p{
    font-size:12px;
    color: var(--gray-600);
    line-height:1.4;
  }
  @media (max-width: 700px){
    .reassurance-row{ grid-template-columns:1fr; }
  }

  /* ---------- Application Shell ---------- */
  .app-shell{
    max-width:720px;
    margin:0 auto;
    padding:32px 24px 70px;
  }
  .progress-wrap{
    margin-bottom:24px;
  }
  .progress-top{
    display:flex;
    justify-content:space-between;
    align-items:baseline;
    margin-bottom:8px;
  }
  .progress-top .step-label{
    font-size:13px;
    font-weight:700;
    color: var(--navy);
  }
  .progress-top .pct-label{
    font-size:12.5px;
    font-weight:600;
    color: var(--blue-dark);
  }
  .progress-bar-track{
    width:100%;
    height:7px;
    background: var(--border);
    border-radius:4px;
    overflow:hidden;
  }
  .progress-bar-fill{
    height:100%;
    background: var(--blue);
    border-radius:4px;
    transition: width .3s ease;
    width:8.3%;
  }
  .progress-phases{
    display:flex;
    justify-content:space-between;
    margin-top:12px;
    gap:4px;
  }
  .progress-phase{
    flex:1;
    text-align:center;
    font-size:10.5px;
    font-weight:700;
    color: var(--gray-500);
    letter-spacing:0.2px;
    padding-top:8px;
    border-top:3px solid var(--border);
    position:relative;
  }
  .progress-phase.is-active{
    color: var(--blue-dark);
    border-top-color: var(--blue);
  }
  .progress-phase.is-done{
    color: var(--navy);
    border-top-color: var(--green);
  }
  @media (max-width: 560px){
    .progress-phase span{ display:none; }
    .progress-phase{ font-size:0; }
    .progress-phase.is-active::after{
      content:"";
      display:block;
      width:6px; height:6px;
      border-radius:50%;
      background: var(--blue);
      margin:0 auto;
    }
  }

  .app-card{
    background:#fff;
    border:1px solid var(--border);
    border-radius:16px;
    padding:36px;
    box-shadow: 0 20px 45px -30px rgba(60,94,96,0.25);
  }
  .app-step{ display:none !important; }
  .app-step.is-active{ display:block !important; animation: stepIn .25s ease; }
  .loan-amount-select{
    position:absolute !important;
    width:1px !important;
    height:1px !important;
    padding:0 !important;
    margin:-1px !important;
    overflow:hidden !important;
    clip:rect(0,0,0,0) !important;
    border:0 !important;
  }
  .check-example{
    display:block;
    max-width:100%;
    height:auto;
    max-height:220px;
    margin:4px auto 16px;
    border-radius:8px;
  }
  @keyframes stepIn{
    from{ opacity:0; transform:translateY(6px); }
    to{ opacity:1; transform:translateY(0); }
  }
  .app-step h2{
    font-size:22px;
    font-weight:700;
    margin-bottom:6px;
  }
  .app-step > p.step-sub{
    font-size:13.5px;
    color: var(--gray-500);
    margin-bottom:26px;
  }

  /* Amount pill grid */
  .amount-pill-grid{
    display:grid;
    grid-template-columns: repeat(5, 1fr);
    gap:10px;
    margin-bottom:16px;
  }
  .amount-pill{
    border:1.5px solid var(--border);
    border-radius:9px;
    padding:13px 0;
    text-align:center;
    font-weight:700;
    font-size:14.5px;
    color: var(--blue-dark);
    background:#fff;
  }
  .amount-pill:hover{ border-color: var(--blue); background: var(--sky); }
  .amount-pill.selected{
    border-color: var(--blue);
    background: var(--blue);
    color:#fff;
  }
  .amount-or{
    text-align:center;
    font-size:12px;
    font-weight:700;
    color: var(--gray-500);
    margin:14px 0;
  }
  .amount-custom-row{
    position:relative;
  }
  .amount-custom-row span{
    position:absolute;
    left:14px; top:50%; transform:translateY(-50%);
    font-weight:700; color: var(--navy);
  }
  .amount-custom-row input{ padding-left:28px; }
  @media (max-width: 560px){
    .amount-pill-grid{ grid-template-columns: repeat(2, 1fr); }
  }

  /* Radio / checkbox groups */
  .radio-group{ display:flex; flex-direction:column; gap:10px; margin-bottom:18px; }
  .radio-option{
    display:flex;
    align-items:center;
    gap:10px;
    border:1.5px solid var(--border);
    border-radius:9px;
    padding:12px 16px;
    cursor:pointer;
    font-size:14px;
    font-weight:600;
    color: var(--navy);
  }
  .radio-option:hover{ border-color: var(--blue); }
  .radio-option input[type="radio"]{ accent-color: var(--blue); width:17px; height:17px; }
  .radio-option.selected{ border-color: var(--blue); background: var(--sky); }

  .check-row{
    display:flex;
    align-items:flex-start;
    gap:10px;
    margin:14px 0;
  }
  .check-row input[type="checkbox"]{
    width:18px; height:18px;
    accent-color: var(--blue);
    flex-shrink:0;
    margin-top:2px;
  }
  .check-row label{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.5;
  }
  .check-row label strong{ color: var(--navy); }

  /* Legal text scroll box */
  .legal-box{
    border:1px solid var(--border);
    border-radius:10px;
    background: var(--sky);
    padding:18px 20px;
    max-height:220px;
    overflow-y:auto;
    font-size:12px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:8px;
  }
  .legal-box p{ margin-bottom:10px; }
  .legal-box p:last-child{ margin-bottom:0; }
  .legal-box strong{ color: var(--navy); }

  .field-note{
    font-size:12px;
    color: var(--gray-500);
    margin-top:-10px;
    margin-bottom:16px;
  }
  .field-hint-toggle{
    font-size:12px;
    font-weight:700;
    color: var(--blue-dark);
    margin-top:-10px;
    margin-bottom:16px;
    display:inline-block;
  }
  .field-hint-box{
    display:none;
    font-size:12px;
    color: var(--gray-600);
    background: var(--sky);
    border-radius:8px;
    padding:12px 14px;
    margin:-8px 0 16px;
    line-height:1.5;
  }
  .field-hint-box.show{ display:block; }

  /* Step nav buttons */
  .step-nav{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:16px;
    margin-top:28px;
  }
  .step-back{
    font-size:13.5px;
    font-weight:700;
    color: var(--gray-500);
    display:flex;
    align-items:center;
    gap:6px;
  }
  .step-back:hover{ color: var(--navy); }
  .step-nav .btn{ flex:1; max-width:260px; }
  .step-nav.no-back{ justify-content:center; }
  .step-nav.no-back .btn{ max-width:100%; }

  /* Review summary */
  .review-groups{ margin-bottom:10px; }
  .review-group{
    border:1px solid var(--border);
    border-radius:10px;
    padding:16px 18px;
    margin-bottom:12px;
  }
  .review-group-head{
    display:flex;
    justify-content:space-between;
    align-items:center;
    margin-bottom:8px;
  }
  .review-group-head h4{
    font-size:12.5px;
    font-weight:800;
    letter-spacing:0.4px;
    color: var(--blue-dark);
    text-transform:uppercase;
  }
  .review-group-head a{
    font-size:12px;
    font-weight:700;
    color: var(--blue-dark);
  }
  .review-row{
    display:flex;
    justify-content:space-between;
    gap:12px;
    font-size:13px;
    padding:4px 0;
  }
  .review-row .rlabel{ color: var(--gray-500); }
  .review-row .rval{ color: var(--navy); font-weight:600; text-align:right; }

  /* Post-submit states */
  .app-state{ display:none; text-align:center; padding:20px 0; }
  .app-state.is-active{ display:block; }
  .app-state .state-icon{
    width:64px; height:64px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 20px;
  }
  .app-state.is-thanks .state-icon{ background: var(--blue); color:#fff; }
  .app-state h2{ font-size:22px; font-weight:700; margin-bottom:10px; }
  .app-state p{ font-size:14px; color: var(--gray-600); line-height:1.6; max-width:420px; margin:0 auto 8px; }
  .spin{
    animation: spin 1s linear infinite;
  }
  @keyframes spin{ to{ transform:rotate(360deg); } }
  .next-steps{
    text-align:left;
    max-width:380px;
    margin:22px auto 0;
    display:flex;
    flex-direction:column;
    gap:10px;
  }
  .next-steps li{
    display:flex;
    align-items:flex-start;
    gap:10px;
    font-size:13px;
    color: var(--navy);
    font-weight:600;
    list-style:none;
  }
  .next-steps .dot{
    width:18px; height:18px;
    border-radius:50%;
    background: var(--green);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    font-size:10px;
    flex-shrink:0;
    margin-top:1px;
  }

  @media (max-width: 560px){
    .app-card{ padding:26px 22px; }
    .app-shell{ padding:24px 16px 60px; }
  }

  /* ---------- CTA Banner ---------- */
  .cta-banner{
    background: var(--navy);
    border-radius:16px;
    margin:0 auto 60px;
    max-width:1180px;
    padding:38px 48px;
    display:flex;
    align-items:center;
    justify-content:space-between;
  }
  .cta-banner-left{
    display:flex;
    align-items:center;
    gap:20px;
  }
  .cta-logo{
    width:56px; height:56px;
    border-radius:50%;
    background: #ffffff;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .cta-logo img{
    width:34px;
    height:auto;
    display:block;
  }
  .cta-banner h3{
    color:#fff;
    font-size:22px;
    font-weight:700;
  }
  .cta-banner p{
    color:#b7d3d5;
    font-size:14px;
    margin-top:4px;
  }
  .cta-banner-right{ text-align:center; }
  .cta-banner-right .btn{ font-size:15px; padding:15px 30px; }
  .cta-banner-right .badges{
    margin-top:10px;
    font-size:12px;
    color:#b7d3d5;
    font-weight:600;
    letter-spacing:0.3px;
  }

  /* ---------- Footer ---------- */
  footer{
    padding:50px 0 30px;
    border-top:1px solid var(--border);
  }
  .footer-grid{
    display:grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr 1.1fr;
    gap:30px;
    padding-bottom:36px;
  }
  .footer-logo-img{
    height:44px;
    width:auto;
    margin-bottom:6px;
  }
  .footer-grid p{
    font-size:13px;
    color: var(--gray-500);
    margin-top:14px;
    line-height:1.6;
    max-width:260px;
  }
  .footer-col h5{
    font-size:12.5px;
    font-weight:700;
    letter-spacing:0.5px;
    color: var(--navy);
    margin-bottom:16px;
  }
  .footer-col ul li{
    margin-bottom:10px;
  }
  .footer-col ul li a{
    font-size:13.5px;
    color: var(--gray-600);
  }
  .footer-col ul li a:hover{ color: var(--blue); }
  .footer-cta{
    background: var(--sky);
    border-radius:12px;
    padding:20px;
  }
  .footer-cta h5{
    font-size:14px;
    font-weight:700;
    margin-bottom:6px;
  }
  .footer-cta p{
    font-size:12.5px;
    color: var(--gray-600);
    margin:0 0 14px;
  }
  .footer-cta .btn{
    width:100%;
    font-size:13px;
    padding:12px 0;
  }
  .footer-legal{
    font-size:11px;
    color: var(--gray-500);
    line-height:1.7;
    padding-top:24px;
    border-top:1px solid var(--border);
    display:flex;
    justify-content:space-between;
    gap:30px;
    align-items:flex-start;
  }
  .footer-legal .disclaimers{ max-width:100%; }
/* ---------- Responsive ---------- */
  @media (max-width: 980px){
    nav{ display:none; }
    .nav-toggle{ display:flex; }
    .hero-grid{ grid-template-columns:1fr; }
    .hero-left h1{ font-size:38px; }
    .steps{ flex-direction:column; align-items:center; gap:40px; }
    .step-arrow{ transform:rotate(90deg); margin:0; }
    .split-section{ grid-template-columns:1fr; }
    .footer-grid{ grid-template-columns: 1fr 1fr; }
    .cta-banner{ flex-direction:column; gap:24px; text-align:center; margin:0 20px 40px; }
    .cta-banner-left{ flex-direction:column; }
    .footer-legal{ flex-direction:column; }
  }

  @media (max-width: 560px){
    .hero-left h1{ font-size:32px; }
    .footer-grid{ grid-template-columns: 1fr; }
    header{ padding:16px 0; }
    .logo-img{ height:44px; }
    .header-help-link{ display:none; }
  }

/* =========================================================
   Breezy Financial approved design-system refresh
   Styling only — existing page copy and form functionality
   are intentionally preserved.
   ========================================================= */

:root{
  --navy:#07516a;
  --navy-2:#0b6380;
  --blue:#28a9bd;
  --blue-dark:#1685a0;
  --sky:#e9f8fb;
  --sky-2:#d8f1f5;
  --green:#07516a;
  --green-dark:#063f53;
  --gray-600:#1b596d;
  --gray-500:#5e7f8a;
  --border:#dcecef;
  --white:#ffffff;
  --breezy-line:#e6f2f4;
  --breezy-soft:#f8fdfe;
  --breezy-soft-2:#edf9fb;
  --breezy-shadow:0 18px 48px rgba(7,81,106,.10);
}

body{
  color:var(--navy);
  background:#fff;
}
.container{
  max-width:1180px;
}

/* ---------- Header ---------- */
header.container{
  min-height:76px;
  padding:0 24px;
  position:sticky;
  top:0;
  z-index:50;
  background:#fff;
}
header.container::before{
  content:"";
  position:absolute;
  z-index:-1;
  top:0;
  bottom:0;
  left:50%;
  width:100vw;
  transform:translateX(-50%);
  background:#fff;
  border-bottom:1px solid #edf5f6;
}
.logo-img{
  width:205px;
  height:auto;
}
.nav-wrap{gap:28px}
.header-help-link{
  color:var(--navy);
  font-size:13px;
  font-weight:600;
}
.header-help-link:hover{color:var(--blue)}
.nav-toggle{
  width:44px;
  height:44px;
  padding:8px;
  margin:0;
  border-radius:10px;
}
.nav-toggle:hover{background:var(--sky)}
.mobile-nav-panel{
  max-width:340px;
  box-shadow:-14px 0 40px rgba(7,81,106,.18);
}
.mobile-nav-close{border-radius:10px}
.mobile-nav-panel ul li a{
  border-color:var(--border);
  font-size:16px;
}
.mobile-nav-panel ul li a:hover,
.mobile-nav-panel ul li a[aria-current="page"]{color:var(--blue)}

/* ---------- Buttons ---------- */
.btn{
  min-height:48px;
  padding:0 30px;
  border-radius:999px;
  font-size:14px;
  letter-spacing:.1px;
  box-shadow:none;
  transition:transform .15s ease,filter .15s ease,box-shadow .15s ease;
}
.btn-blue,
.btn-green{
  color:#fff;
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  box-shadow:0 10px 24px rgba(31,166,190,.18);
}
.btn-blue:hover,
.btn-green:hover{
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  filter:brightness(.985);
  transform:translateY(-1px);
}

/* ---------- Hero ---------- */
.hero-section{
  padding:0;
  background:linear-gradient(180deg,#f4fcfd 0%,#e7f7fa 100%);
}
.hero-wave{display:none}
.hero-grid{
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  gap:54px;
  min-height:470px;
  padding:48px 24px 50px;
}
.hero-left{max-width:610px}
.hero-eyebrow{
  margin-bottom:12px;
  color:#1685a0;
  font-size:11px;
  font-weight:700;
  letter-spacing:2.8px;
}
.hero-left h1{
  font-size:clamp(46px,5vw,64px);
  line-height:.99;
  letter-spacing:-1.8px;
}
.hero-left p.desc{
  max-width:545px;
  margin-top:20px;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.6;
}
.hero-badges{
  gap:12px 18px;
  margin-top:24px;
  font-size:13px;
}
.hero-badges span{gap:8px}
.hero-badges .icon-circle{
  width:30px;
  height:30px;
  flex:0 0 30px;
  background:var(--sky-2);
  color:var(--navy);
}
.hero-secure{
  margin-top:13px;
  color:var(--gray-500);
  font-size:12.5px;
}
.hero-illustration{
  width:100%;
  max-width:455px;
  justify-self:end;
  padding:18px;
  border:1px solid #e3f1f3;
  border-radius:28px;
  background:rgba(255,255,255,.74);
  box-shadow:var(--breezy-shadow);
}
.hero-illustration svg{width:100%;height:auto}

/* ---------- Reassurance cards ---------- */
.reassurance-row{
  max-width:1180px;
  padding:24px 24px 0;
  gap:18px;
}
.reassurance-box{
  gap:14px;
  padding:20px 22px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}
.reassurance-box .r-icon{
  width:42px;
  height:42px;
  flex:0 0 42px;
  background:var(--sky-2);
  color:var(--navy);
}
.reassurance-box h5{
  margin-bottom:3px;
  font-size:13.5px;
}
.reassurance-box p{
  color:var(--gray-600);
  font-size:12.5px;
  line-height:1.5;
}

/* ---------- Application ---------- */
.app-shell{
  max-width:780px;
  padding:34px 24px 58px;
}
.progress-wrap{
  margin-bottom:18px;
  padding:18px 20px 16px;
  border:1px solid var(--breezy-line);
  border-radius:16px;
  background:linear-gradient(180deg,#fbfeff,#f3fbfc);
}
.progress-top{margin-bottom:10px}
.progress-top .step-label{
  color:var(--navy);
  font-size:12.5px;
}
.progress-top .pct-label{
  color:var(--blue-dark);
  font-size:12px;
}
.progress-bar-track{
  height:7px;
  border-radius:999px;
  background:#dcecef;
}
.progress-bar-fill{
  border-radius:999px;
  background:linear-gradient(90deg,#1d9fb4,#32b7c9);
}
.progress-phases{
  margin-top:12px;
  gap:7px;
}
.progress-phase{
  padding-top:7px;
  border-top-width:3px;
  border-top-color:#dcecef;
  color:var(--gray-500);
  font-size:10px;
}
.progress-phase.is-active{
  color:var(--blue-dark);
  border-top-color:var(--blue);
}
.progress-phase.is-done{
  color:var(--navy);
  border-top-color:var(--navy);
}

.app-card{
  padding:38px;
  border:1px solid var(--breezy-line);
  border-radius:22px;
  background:#fff;
  box-shadow:var(--breezy-shadow);
}
.app-step h2{
  margin-bottom:7px;
  font-size:clamp(22px,2.5vw,28px);
  line-height:1.18;
}
.app-step > p.step-sub{
  margin-bottom:24px;
  color:var(--gray-500);
  font-size:13.5px;
  line-height:1.55;
}

/* Fields */
.form-field{margin-bottom:18px}
.form-field label{
  margin-bottom:7px;
  color:var(--navy);
  font-size:12.75px;
}
.form-field input,
.form-field select,
.form-field textarea{
  min-height:48px;
  padding:12px 14px;
  border:1px solid var(--border);
  border-radius:12px;
  color:var(--navy);
  background:var(--breezy-soft);
  transition:border-color .15s ease,background .15s ease,box-shadow .15s ease;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus{
  border-color:var(--blue);
  background:#fff;
  box-shadow:0 0 0 3px rgba(40,169,189,.10);
}
.form-row{gap:14px}
.field-note{
  color:var(--gray-500);
  font-size:11.75px;
}
.field-hint-toggle{
  color:var(--blue-dark);
  font-size:11.75px;
}
.field-hint-box{
  padding:12px 14px;
  border:1px solid #dceef1;
  border-radius:10px;
  background:var(--sky);
  color:var(--gray-600);
  font-size:11.75px;
}

/* Amount choices */
.amount-pill-grid{
  gap:9px;
  margin-bottom:14px;
}
.amount-pill{
  min-height:46px;
  padding:0 8px;
  border:1px solid var(--border);
  border-radius:12px;
  background:#fff;
  color:var(--navy);
  font-size:14px;
}
.amount-pill:hover{
  border-color:var(--blue);
  background:var(--sky);
}
.amount-pill.selected{
  border-color:var(--blue);
  background:var(--blue);
  color:#fff;
  box-shadow:0 7px 16px rgba(40,169,189,.16);
}
.amount-or{
  margin:12px 0;
  color:var(--gray-500);
  font-size:11px;
  letter-spacing:.5px;
}
.amount-custom-row span{color:var(--navy)}

/* Radio options */
.radio-group{gap:9px}
.radio-option{
  min-height:48px;
  padding:11px 14px;
  border:1px solid var(--border);
  border-radius:12px;
  background:#fff;
  color:var(--navy);
  font-size:13.5px;
}
.radio-option:hover{
  border-color:var(--blue);
  background:var(--breezy-soft);
}
.radio-option.selected{
  border-color:var(--blue);
  background:var(--sky);
}
.radio-option input[type="radio"],
.check-row input[type="checkbox"]{
  accent-color:var(--blue);
}

/* Legal & consent */
.legal-box{
  max-height:240px;
  padding:17px 18px;
  border:1px solid #dceef1;
  border-radius:12px;
  background:var(--breezy-soft);
  color:var(--gray-600);
}
.check-row{
  padding:12px 14px;
  border:1px solid #e7f1f3;
  border-radius:12px;
  background:#fff;
}
.check-row label{
  color:var(--gray-600);
  font-size:12.5px;
}

/* Step navigation */
.step-nav{
  margin-top:25px;
  gap:14px;
}
.step-back{
  min-height:44px;
  padding:0 8px;
  border-radius:8px;
  color:var(--gray-500);
}
.step-back:hover{
  color:var(--navy);
  background:var(--sky);
}
.step-nav .btn{
  min-height:50px;
  max-width:280px;
}

/* Review */
.review-group{
  margin-bottom:10px;
  padding:16px 18px;
  border:1px solid var(--border);
  border-radius:14px;
  background:var(--breezy-soft);
}
.review-group-head{margin-bottom:7px}
.review-group-head h4{
  color:var(--blue-dark);
  font-size:11.5px;
  letter-spacing:.8px;
}
.review-group-head a,
.review-edit{
  border:0;
  background:transparent;
  color:var(--blue-dark);
  font-size:12px;
  font-weight:700;
  cursor:pointer;
}
.review-row{
  padding:4px 0;
  font-size:12.75px;
}
.review-row .rlabel{color:var(--gray-500)}
.review-row .rval{color:var(--navy)}

/* Post-submit states */
.app-state{padding:28px 0}
.app-state .state-icon{
  width:70px;
  height:70px;
  background:var(--sky-2);
  color:var(--navy);
}
.app-state.is-thanks .state-icon{
  background:var(--blue);
  color:#fff;
}
.app-state h2{font-size:25px}
.app-state p{
  color:var(--gray-600);
  line-height:1.6;
}
.next-steps{
  gap:9px;
  padding:16px 18px;
  border-radius:14px;
  background:var(--breezy-soft);
}
.next-steps .dot{
  background:var(--navy);
}

/* ---------- Important information ---------- */
.important-info{
  max-width:900px;
  margin:0 auto 54px;
  padding:0 24px;
}
.important-info-inner{
  gap:16px;
  padding:24px 26px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}
.important-info-icon{
  width:42px;
  height:42px;
  flex:0 0 42px;
  background:#fff;
  color:var(--navy);
  box-shadow:0 6px 16px rgba(7,81,106,.06);
}
.important-info h4{
  margin-bottom:8px;
  font-size:15px;
}
.important-info p{
  color:var(--gray-600);
  font-size:12px;
  line-height:1.7;
}

/* ---------- Footer ---------- */
footer{
  padding:34px 0 22px;
  border-top:1px solid var(--border);
}
.footer-grid{
  grid-template-columns:1.45fr .8fr .9fr .8fr 1.05fr;
  gap:28px;
  padding-bottom:30px;
}
.footer-logo-img{
  width:190px;
  height:auto;
}
.footer-grid p{
  max-width:270px;
  margin-top:13px;
  color:#406f7c;
  font-size:12.5px;
}
.footer-col h5,
.footer-cta h5{
  margin-bottom:10px;
  font-size:12.5px;
}
.footer-col ul li{margin-bottom:7px}
.footer-col ul li a{
  color:#406f7c;
  font-size:12.5px;
}
.footer-col ul li a:hover{color:var(--blue)}
.footer-cta{
  padding:18px;
  border-radius:16px;
  background:var(--sky);
}
.footer-cta p{
  margin:0 0 13px;
  color:#406f7c;
  font-size:12px;
}
.footer-cta .btn{
  min-height:42px;
  padding:0 14px;
  font-size:12px;
}
.footer-legal{
  padding-top:22px;
  gap:28px;
  border-top:1px solid var(--border);
  color:#6b8a93;
  font-size:10.5px;
  line-height:1.65;
}
.footer-legal .disclaimers{max-width:100%}
/* ---------- Responsive ---------- */
@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 42px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:700px){
  .reassurance-row{grid-template-columns:1fr}
}

@media(max-width:560px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{
    padding:32px 12px 34px;
  }
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .reassurance-row{
    padding:16px 12px 0;
    gap:10px;
  }
  .reassurance-box{
    padding:16px;
    border-radius:16px;
  }

  .app-shell{
    padding:22px 12px 42px;
  }
  .progress-wrap{
    padding:14px 14px 12px;
    border-radius:14px;
  }
  .progress-phase span{display:none}
  .progress-phase{font-size:0}

  .app-card{
    padding:24px 18px;
    border-radius:18px;
  }
  .app-step h2{font-size:22px}
  .amount-pill-grid{
    grid-template-columns:repeat(2,1fr);
    gap:8px;
  }
  .amount-pill{
    min-height:44px;
    font-size:13.5px;
  }
  .form-row{grid-template-columns:1fr}
  .step-nav{
    align-items:stretch;
  }
  .step-nav .btn{max-width:none}
  .step-back{flex:0 0 auto}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

@media(max-width:390px){
  .footer-grid{grid-template-columns:1fr}
  .footer-logo,
  .footer-cta{grid-column:auto}
}


/* Production application form (keeps existing field IDs / Bootstrap classes) */
body.get-started-page {
  background: #fff;
}
.get-started-page .intro-heading {
  max-width: 720px;
  margin: 0 auto 8px;
  text-align: center;
}
.get-started-page .intro-heading h3,
.get-started-page .intro-heading h1 {
  font-family: Poppins, sans-serif;
  font-size: clamp(28px, 4vw, 40px);
  color: var(--navy, #3c5e60);
}
.get-started-container,
.app-card {
  background: #fff;
  border: 1px solid var(--border, #dbe8e9);
  border-radius: 18px;
  padding: 32px 24px 40px;
  box-shadow: 0 18px 48px rgba(7, 81, 106, 0.10);
  max-width: 760px;
  margin: 0 auto 48px;
}
.custom-progress {
  height: 10px;
  background: #eaf6f7;
  border-radius: 999px;
  overflow: hidden;
  margin: 8px auto 28px;
  max-width: 520px;
  box-shadow: none;
}
.custom-progress .progress-bar {
  background: var(--blue, #6cbcc4);
  color: #fff;
  text-align: center;
  line-height: 10px;
  font-size: 0;
  transition: width 0.6s ease;
}
.progress-text,
.custom-progress-text {
  font-size: 13px;
  font-weight: 700;
  color: var(--navy, #3c5e60);
  display: block;
  text-align: right;
  margin: -6px 0 18px;
}
body.get-started-page .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
}
#application .form-field label {
  font-family: Inter, sans-serif;
  font-size: 13px !important;
  font-weight: 700 !important;
  color: var(--navy, #3c5e60);
  text-align: left;
  margin-bottom: 6px;
}
#application .form-field input:not([type="hidden"]):not([type="checkbox"]),
#application .form-field select,
#application .form-field textarea {
  width: 100%;
  max-width: none;
  margin: 0;
  display: block;
}
#application .legal-box a {
  color: var(--blue-dark);
  font-weight: 700;
  text-decoration: underline;
}
.btn.next,
.btn-success.next,
#submit-button {
  background: var(--blue, #6cbcc4) !important;
  border: none !important;
  border-radius: 8px;
  padding: 12px 28px;
  font-weight: 700;
  color: #fff !important;
}
.btn.back {
  background: #6c757d !important;
  border: none !important;
  border-radius: 8px;
  padding: 12px 20px;
  font-weight: 700;
  color: #fff !important;
}
.invalid-feedback {
  color: #dc3545;
  font-size: 13px;
}
#processingModal {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 1050;
  overflow: auto;
  padding: 15px;
}
#processingModal::before {
  content: '';
  position: fixed;
  inset: 0;
  background-color: rgba(255, 255, 255, 0.98);
  z-index: -1;
}
#processingModal .modal-dialog {
  margin: 40px auto;
  max-width: 720px;
}
#processingModal .modal-content {
  background: #fff;
  border: none;
  border-radius: 16px;
  padding: 24px;
}
.visually-hidden,
.visually-hidden-focusable:not(:focus) {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.option-card {
  border: 1px solid var(--border, #dbe8e9);
  border-radius: 14px;
  padding: 22px;
  margin-bottom: 24px;
  background: #fff;
}
.option-title {
  color: var(--navy, #3c5e60);
  font-family: Poppins, sans-serif;
  font-size: 18px;
  margin-bottom: 10px;
}
.option-button,
.cta-button,
.submit-btn {
  background: var(--blue, #6cbcc4) !important;
  border: none !important;
  color: #fff !important;
  border-radius: 8px;
  font-weight: 700;
  padding: 12px 22px;
}
.form-success { display: none; }
.form-success.show {
  display: flex;
  gap: 8px;
  align-items: center;
  margin-top: 16px;
  color: #2c4749;
  font-weight: 600;
}

/* v3 get-started mobile enhancements */
html,
body{
  max-width:100%;
  overflow-x:hidden;
}

@media(max-width:600px){
  .nav-toggle,
  .mobile-nav-close{
    min-width:48px;
    min-height:48px;
  }

  .mobile-nav-panel ul li a{
    min-height:48px;
    display:flex;
    align-items:center;
  }

  .app-shell,
  .app-card,
  .progress-wrap,
  .app-step,
  .form-field,
  .review-group{
    min-width:0;
  }

  .form-field input,
  .form-field select,
  .form-field textarea{
    width:100%;
    min-height:50px;
    font-size:16px;
  }

  .amount-pill{
    min-height:48px;
  }

  .radio-option{
    min-height:50px;
  }

  .check-row input[type="checkbox"]{
    width:20px;
    height:20px;
    flex:0 0 20px;
  }

  .field-hint-toggle{
    min-height:44px;
    display:inline-flex;
    align-items:center;
  }

  .step-back{
    min-height:48px;
    padding:0 10px;
  }

  .step-nav .btn{
    min-height:52px;
  }

  .step-nav.no-back .btn{
    width:100%;
  }

  .review-edit{
    min-height:44px;
    display:inline-flex;
    align-items:center;
  }

  .legal-box{
    -webkit-overflow-scrolling:touch;
  }
}

@media(max-width:390px){
  .app-shell{
    padding-left:10px;
    padding-right:10px;
  }

  .app-card{
    padding-left:16px;
    padding-right:16px;
  }

  .progress-wrap{
    padding-left:12px;
    padding-right:12px;
  }
}