/* ==========================================================================
   Udaan Small Finance — Personal Loan (landing + application)

   Concept: the logo's own story. A shield (protection), rising green bars
   (growth) and a blue arrow sweeping upward. On page 1 the bars rise out of a
   navy hero and the arrow sweeps up to the enquiry form, which stands as the
   tallest bar. On page 2, progress is a row of bars that rise as each detail
   is added.

   BRAND COLOURS — sampled pixel by pixel from the official logo file.
   ========================================================================== */
:root {
  /* From the logo */
  --navy: #001957;          /* wordmark & shield, darkest tone */
  --royal: #072a7b;         /* wordmark mid tone: headings */
  --blue: #033eb0;          /* wordmark/arrow bright tone: links, focus, accents */
  --green-deep: #057124;    /* bars, darkest: primary buttons (white text 6.4:1) */
  --green: #069f2e;         /* bars, mid tone */
  --green-bright: #14c849;  /* bars, brightest: highlights on navy */

  /* Neutrals, biased toward the logo blue */
  --ink: #0e1a3a;
  --muted: #4c5875;         /* 7:1 on white */
  --line: #dbe2ef;
  --mist: #f3f6fb;          /* tinted surface */
  --mint: #e8f7ec;          /* green tint surface */
  --paper: #ffffff;
  --error: #b42318;
  --error-bg: #fef1f0;
  --on-navy: #f2f5ff;
  --on-navy-muted: #b6c2e3;

  /* Type */
  --font-display: "Lexend", "Segoe UI", system-ui, sans-serif;
  --font-body: "Mukta", "Segoe UI", system-ui, -apple-system, sans-serif;
  --step--1: .875rem;
  --step-0: 1.0625rem;
  --step-1: 1.25rem;
  --step-2: clamp(1.4rem, 1.2rem + .7vw, 1.75rem);
  --step-3: clamp(1.8rem, 1.35rem + 1.7vw, 2.75rem);
  --step-4: clamp(2.2rem, 1.4rem + 3.1vw, 3.9rem);

  /* Shape: sharp-ish bars, softer cards, pill buttons */
  --r-bar: 6px 6px 0 0;
  --r-input: 10px;
  --r-card: 20px;
  --shadow-card: 0 1px 2px rgba(0, 25, 87, .08), 0 24px 60px -24px rgba(0, 25, 87, .45);
  --shadow-soft: 0 14px 34px -20px rgba(0, 25, 87, .35);

  --wrap: 1200px;
  --header-h: 76px;
  --ease: cubic-bezier(.2, .7, .2, 1);
  color-scheme: light;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); -webkit-text-size-adjust: 100%; }
body {
  margin: 0; font-family: var(--font-body); font-size: var(--step-0); line-height: 1.6;
  color: var(--ink); background: var(--paper); overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
h1, h2, h3 { font-family: var(--font-display); color: var(--royal); line-height: 1.15; margin: 0; text-wrap: balance; letter-spacing: -0.015em; }
p { margin: 0; }
button, input, select { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 6px; }

.wrap {
  width: 100%; max-width: var(--wrap); margin-inline: auto;
  padding-left: max(20px, env(safe-area-inset-left, 0px));
  padding-right: max(20px, env(safe-area-inset-right, 0px));
}
.visually-hidden { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; }
.skip-link:focus { top: 12px; color: #fff; }

/* ---------- Buttons ---------- */
.btn {
  --bg: var(--green-deep); --fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 54px; padding: 0 28px; border: 0; border-radius: 999px;
  background: var(--bg); color: var(--fg);
  font-family: var(--font-display); font-weight: 600; font-size: 1.0625rem; letter-spacing: -.005em;
  text-decoration: none; cursor: pointer;
  transition: transform .18s var(--ease), background-color .18s var(--ease), box-shadow .18s var(--ease);
  box-shadow: 0 10px 22px -12px rgba(5, 113, 36, .9);
}
.btn:hover { --bg: #045d1d; color: var(--fg); transform: translateY(-1px); }
.btn:active { transform: translateY(1px) scale(.99); box-shadow: none; }
.btn[disabled] { cursor: not-allowed; opacity: .8; transform: none; }
.btn--block { width: 100%; }
.btn--small { min-height: 46px; padding: 0 22px; font-size: 1rem; }
.btn--light { --bg: #fff; --fg: var(--navy); box-shadow: none; }
.btn--light:hover { --bg: var(--mint); --fg: var(--navy); }
.btn--outline { --bg: transparent; --fg: var(--royal); box-shadow: inset 0 0 0 2px var(--royal); }
.btn--outline:hover { --bg: var(--royal); --fg: #fff; }
.btn__arrow { width: 20px; height: 20px; transition: transform .2s var(--ease); }
.btn:hover .btn__arrow { transform: translate(2px, -2px); }
.btn__spinner { width: 18px; height: 18px; border-radius: 50%; border: 2.5px solid currentColor; border-right-color: transparent; animation: spin .7s linear infinite; display: none; }
.btn.is-loading .btn__spinner { display: inline-block; }
.btn.is-loading .btn__arrow { display: none; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Header ---------- */
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); background: var(--paper); z-index: 60; }
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: var(--paper);
  border-bottom: 1px solid transparent; transition: border-color .25s var(--ease), box-shadow .25s var(--ease);
}
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 10px 28px -22px rgba(0, 25, 87, .55); }
.site-header__bar { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; flex-shrink: 0; }
.brand__mark { height: 44px; width: auto; }
.brand__word { height: 22px; width: auto; }
.nav { display: none; }
.nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 2px; }
.nav a { display: block; padding: 10px 14px; border-radius: 999px; font-weight: 500; color: var(--ink); text-decoration: none; transition: background-color .18s var(--ease), color .18s var(--ease); }
.nav a:hover { background: var(--mist); color: var(--royal); }
.header-cta { display: none; }
.menu-toggle { display: inline-flex; align-items: center; justify-content: center; width: 46px; height: 46px; border-radius: 12px; border: 1px solid var(--line); background: var(--paper); cursor: pointer; }
.menu-toggle__bars, .menu-toggle__bars::before, .menu-toggle__bars::after { display: block; width: 20px; height: 2px; background: var(--royal); border-radius: 2px; transition: transform .25s var(--ease); }
.menu-toggle__bars { position: relative; }
.menu-toggle__bars::before, .menu-toggle__bars::after { content: ""; position: absolute; left: 0; }
.menu-toggle__bars::before { top: -6px; }
.menu-toggle__bars::after { top: 6px; }
.menu-toggle[aria-expanded="true"] .menu-toggle__bars { background: transparent; }
.menu-toggle[aria-expanded="true"] .menu-toggle__bars::before { transform: translateY(6px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] .menu-toggle__bars::after { transform: translateY(-6px) rotate(-45deg); }
.mobile-menu { border-top: 1px solid var(--line); background: var(--paper); padding-block: 8px 20px; }
.mobile-menu ul { list-style: none; margin: 0; padding: 0; display: grid; }
.mobile-menu a:not(.btn) { display: block; padding: 14px 4px; font-weight: 500; font-size: 1.125rem; color: var(--ink); text-decoration: none; border-bottom: 1px solid var(--line); }
.mobile-menu .btn { margin-top: 16px; width: 100%; }
.mobile-menu:not([hidden]) { animation: menu-in .22s var(--ease); }
@keyframes menu-in { from { opacity: 0; transform: translateY(-6px); } }
@media (min-width: 980px) {
  .nav { display: block; }
  .header-cta { display: inline-flex; }
  .menu-toggle, .mobile-menu { display: none !important; }
}

/* ==========================================================================
   HERO — navy graph paper, rising bars, arrow sweeping to the form
   ========================================================================== */
.hero {
  position: relative; overflow: hidden; background: var(--navy); color: var(--on-navy);
  background-image:
    linear-gradient(rgba(255, 255, 255, .045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .045) 1px, transparent 1px);
  background-size: 48px 48px;
  background-position: -1px -1px;
}
.hero::after { /* baseline the bars and the form stand on */
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 10px; background: var(--paper);
}
.hero__grid { position: relative; z-index: 1; display: grid; gap: 28px; padding-top: 40px; }
.hero__copy { display: grid; gap: 22px; align-content: start; max-width: 620px; }
.hero__kicker {
  display: inline-flex; align-items: center; gap: 10px; width: fit-content;
  padding: 6px 14px; border-radius: 999px; border: 1px solid rgba(255, 255, 255, .22);
  font-size: var(--step--1); font-weight: 500; color: var(--on-navy);
}
.hero__kicker i { width: 8px; height: 8px; border-radius: 50%; background: var(--green-bright); box-shadow: 0 0 0 4px rgba(20, 200, 73, .2); }
.hero h1 { color: #fff; font-size: var(--step-4); font-weight: 700; letter-spacing: -0.03em; }
.hero__lede { color: var(--on-navy-muted); font-size: var(--step-1); line-height: 1.55; max-width: 34em; }
.hero__ticks { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.hero__ticks li { display: flex; gap: 12px; align-items: flex-start; color: var(--on-navy); font-weight: 500; }
.hero__ticks svg { flex: none; width: 22px; height: 22px; margin-top: 2px; }

/* Rising bars under the copy (decorative) */
.rise { position: relative; height: 150px; margin-top: 8px; display: none; }
.rise__bars { position: absolute; inset: auto 0 10px 0; display: flex; align-items: flex-end; gap: 14px; height: 100%; }
.rise__bar {
  flex: 1; border-radius: var(--r-bar);
  background: linear-gradient(180deg, var(--green-bright), var(--green-deep));
  transform-origin: bottom;
}
.rise__bar:nth-child(1) { height: 22%; opacity: .55; }
.rise__bar:nth-child(2) { height: 38%; opacity: .7; }
.rise__bar:nth-child(3) { height: 56%; opacity: .85; }
.rise__bar:nth-child(4) { height: 76%; }
.rise__arrow { position: absolute; inset: -40px -8% 10px -4%; width: 112%; height: calc(100% + 30px); overflow: visible; }
.rise__arrow .stroke { fill: none; stroke: url(#arrowGrad); stroke-width: 9; stroke-linecap: round; }
.rise__arrow .head { fill: #3b74ff; }
.motion-ok .rise__bar { animation: grow-up .9s var(--ease) backwards; }
.motion-ok .rise__bar:nth-child(2) { animation-delay: .12s; }
.motion-ok .rise__bar:nth-child(3) { animation-delay: .24s; }
.motion-ok .rise__bar:nth-child(4) { animation-delay: .36s; }
.motion-ok .rise__arrow .stroke { stroke-dasharray: 1; stroke-dashoffset: 1; animation: draw 1.1s .7s var(--ease) forwards; }
.motion-ok .rise__arrow .head { opacity: 0; animation: fade-in .3s 1.65s var(--ease) forwards; }
@keyframes grow-up { from { transform: scaleY(0); } }
@keyframes draw { to { stroke-dashoffset: 0; } }
@keyframes fade-in { to { opacity: 1; } }

/* The enquiry card stands on the baseline as the tallest bar */
.hero__form { position: relative; z-index: 2; align-self: end; padding-bottom: 10px; }
.enquiry {
  position: relative; background: var(--paper); color: var(--ink);
  border-radius: var(--r-card) var(--r-card) 0 0;
  padding: 28px 22px 26px; box-shadow: var(--shadow-card);
}
.enquiry::before { /* green cap, like the top of a bar */
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 8px; border-radius: var(--r-card) var(--r-card) 0 0;
  background: linear-gradient(90deg, var(--green-deep), var(--green-bright));
}
.enquiry__head { display: grid; gap: 6px; margin-bottom: 20px; }
.enquiry__step { display: flex; align-items: center; gap: 10px; font-size: var(--step--1); font-weight: 600; color: var(--green-deep); }
.enquiry__step .pips { display: inline-flex; gap: 4px; align-items: flex-end; }
.enquiry__step .pips i { width: 6px; border-radius: 2px; background: var(--line); }
.enquiry__step .pips i:nth-child(1) { height: 10px; background: var(--green); }
.enquiry__step .pips i:nth-child(2) { height: 16px; }
.enquiry h2 { font-size: var(--step-2); }
.enquiry__sub { color: var(--muted); font-size: 1rem; }

@media (min-width: 980px) {
  .hero__grid { grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 64px; padding-top: 72px; align-items: end; }
  .hero__copy { padding-bottom: 0; }
  .rise { display: block; }
  .enquiry { padding: 36px 34px 32px; margin-left: auto; max-width: 440px; }
}
@media (max-width: 979px) {
  .hero__grid { padding-bottom: 0; }
  .hero__ticks { display: none; } /* shown again below the hero on small screens */
}

/* ---------- Form fields (shared) ---------- */
.form { display: grid; gap: 18px; }
.field { display: grid; gap: 7px; min-width: 0; }
.field > label, .field legend { font-weight: 600; font-size: 1rem; color: var(--ink); padding: 0; }
.req { color: var(--error); margin-left: 2px; }
.field__hint { font-size: .9rem; color: var(--muted); line-height: 1.4; }
.input {
  width: 100%; min-height: 52px; padding: 12px 14px;
  border: 1.5px solid var(--line); border-radius: var(--r-input); background: var(--mist); font-size: 1.0625rem;
  transition: border-color .18s var(--ease), box-shadow .18s var(--ease), background-color .18s var(--ease);
  appearance: none; -webkit-appearance: none;
}
.input::placeholder { color: #8892ab; }
.input:hover { border-color: #b8c4de; }
.input:focus { outline: none; border-color: var(--blue); background: var(--paper); box-shadow: 0 0 0 4px rgba(3, 62, 176, .14); }
.input[aria-invalid="true"] { border-color: var(--error); background: var(--error-bg); }
.input[readonly] { background: var(--mint); border-color: #c4e8cf; color: var(--ink); font-weight: 600; cursor: default; }
.input[readonly]:focus { box-shadow: 0 0 0 4px rgba(6, 159, 46, .15); border-color: var(--green); }
select.input {
  padding-right: 42px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' fill='none' stroke='%23072a7b' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center;
}
.input-group { display: flex; align-items: stretch; }
.input-group__prefix {
  display: grid; place-items: center; padding: 0 14px; border: 1.5px solid var(--line); border-right: 0;
  border-radius: var(--r-input) 0 0 var(--r-input); background: var(--paper); color: var(--royal); font-weight: 700; font-variant-numeric: tabular-nums;
}
.input-group .input { border-radius: 0 var(--r-input) var(--r-input) 0; }
.input-group--locked .input-group__prefix { background: var(--mint); border-color: #c4e8cf; }
.locked { position: relative; }
.locked__icon { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); width: 20px; height: 20px; color: var(--green-deep); pointer-events: none; }
.locked .input { padding-right: 44px; }
.input--tel { letter-spacing: .04em; font-variant-numeric: tabular-nums; }
.error-msg { display: flex; gap: 6px; align-items: flex-start; color: var(--error); font-size: .9375rem; font-weight: 500; line-height: 1.35; }
.error-msg:empty { display: none; }
.error-msg::before { content: "!"; flex: none; width: 18px; height: 18px; margin-top: 1px; border-radius: 50%; background: var(--error); color: #fff; font-size: 12px; font-weight: 700; display: grid; place-items: center; }
.fineprint { font-size: .875rem; color: var(--muted); line-height: 1.5; }
.fineprint a { font-weight: 600; }
.secure { display: flex; gap: 8px; align-items: center; font-size: .875rem; color: var(--muted); }
.secure svg { width: 16px; height: 16px; flex: none; color: var(--green-deep); }
.status { border-radius: 12px; padding: 12px 14px; font-size: .975rem; line-height: 1.45; }
.status--error { background: var(--error-bg); color: var(--error); border: 1px solid #f6cfcb; }
.status--success { background: var(--mint); color: #04561b; border: 1px solid #c4e8cf; }
.status--info { background: var(--mist); color: var(--royal); border: 1px solid var(--line); }
.status a { color: inherit; font-weight: 700; }
.status:not([hidden]) { animation: pop-in .25s var(--ease); }
@keyframes pop-in { from { opacity: 0; transform: translateY(-4px); } }

/* ---------- Sections ---------- */
.section { padding-block: 76px; }
.section--mist { background: var(--mist); }
.section__head { display: grid; gap: 12px; max-width: 640px; margin-bottom: 44px; }
.section__head h2 { font-size: var(--step-3); font-weight: 700; }
.section__head p { color: var(--muted); font-size: var(--step-1); line-height: 1.5; }
@media (min-width: 980px) { .section { padding-block: 108px; } }

/* Benefits on small screens (ticks moved out of the navy hero) */
.mobile-ticks { padding-block: 28px 8px; }
.mobile-ticks ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.mobile-ticks li { display: flex; gap: 12px; font-weight: 500; }
.mobile-ticks svg { flex: none; width: 22px; height: 22px; margin-top: 2px; }
@media (min-width: 980px) { .mobile-ticks { display: none; } }

/* ---------- Facts: each figure carries a bar that rises left to right ---------- */
.facts { padding-block: 44px 20px; }
.facts__list { list-style: none; margin: 0; padding: 0; display: grid; gap: 22px 28px; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.facts__item { display: grid; grid-template-columns: 10px 1fr; gap: 14px; align-items: end; }
.facts__bar { width: 10px; border-radius: 3px; background: linear-gradient(180deg, var(--green-bright), var(--green-deep)); transform-origin: bottom; }
.facts__item:nth-child(1) .facts__bar { height: 34px; }
.facts__item:nth-child(2) .facts__bar { height: 46px; }
.facts__item:nth-child(3) .facts__bar { height: 58px; }
.facts__item:nth-child(4) .facts__bar { height: 70px; }
.facts__figure { display: block; font-family: var(--font-display); font-weight: 700; font-size: clamp(1.4rem, 1.1rem + 1vw, 2rem); color: var(--royal); letter-spacing: -0.02em; line-height: 1.1; }
.facts__label { display: block; color: var(--muted); font-size: .975rem; line-height: 1.4; margin-top: 4px; }
.motion-ok .facts__item.is-pending .facts__bar { transform: scaleY(0); }
.motion-ok .facts__bar { transition: transform .8s var(--ease); transition-delay: calc(var(--i, 0) * 110ms); }
@media (min-width: 900px) { .facts__list { grid-template-columns: repeat(4, minmax(0, 1fr)); } .facts { padding-block: 64px 24px; } }

/* ---------- Staircase: the 4 steps rise like the logo's bars ---------- */
.stairs { position: relative; list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.stairs li {
  position: relative; border-radius: 16px; padding: 22px 22px 22px 76px; min-height: 110px;
  background: var(--mist); border: 1px solid var(--line);
}
.stairs__num {
  position: absolute; left: 20px; top: 20px; width: 40px; height: 40px; border-radius: 12px;
  display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; color: #fff; background: var(--royal);
}
.stairs li:nth-child(4) { background: var(--green-deep); border-color: var(--green-deep); }
.stairs li:nth-child(4) h3, .stairs li:nth-child(4) p { color: #fff; }
.stairs li:nth-child(4) .stairs__num { background: #fff; color: var(--green-deep); }
.stairs li:nth-child(3) { background: var(--mint); border-color: #c4e8cf; }
.stairs h3 { font-size: var(--step-1); margin-bottom: 6px; }
.stairs p { color: var(--muted); }
.stairs__arrow { display: none; }
@media (min-width: 900px) {
  .stairs { grid-template-columns: repeat(4, minmax(0, 1fr)); align-items: end; gap: 16px; padding-top: 70px; }
  .stairs li { padding: 76px 22px 24px; border-radius: 16px 16px 4px 4px; transform-origin: bottom; }
  .stairs li:nth-child(1) { min-height: 250px; }
  .stairs li:nth-child(2) { min-height: 290px; }
  .stairs li:nth-child(3) { min-height: 330px; }
  .stairs li:nth-child(4) { min-height: 370px; }
  .stairs__num { top: 22px; left: 22px; }
  .stairs__arrow { display: block; position: absolute; left: 4%; right: 0; top: 30px; width: 96%; height: 140px; pointer-events: none; overflow: visible; }
  .stairs__arrow .stroke { fill: none; stroke: var(--blue); stroke-width: 4; stroke-linecap: round; stroke-dasharray: 2 10; }
  .stairs__arrow .head { fill: var(--blue); }
  .motion-ok .stairs.is-pending li { transform: scaleY(.6); opacity: 0; }
  .motion-ok .stairs li { transition: transform .8s var(--ease), opacity .6s var(--ease); }
  .motion-ok .stairs li:nth-child(2) { transition-delay: .1s; }
  .motion-ok .stairs li:nth-child(3) { transition-delay: .2s; }
  .motion-ok .stairs li:nth-child(4) { transition-delay: .3s; }
}

/* ---------- Profile switcher: who can apply + documents ---------- */
.profiles { display: grid; gap: 32px; align-items: start; }
.switch { display: inline-grid; grid-template-columns: 1fr 1fr; gap: 4px; padding: 5px; border-radius: 999px; background: var(--paper); border: 1px solid var(--line); width: 100%; max-width: 420px; position: relative; }
.switch__thumb { position: absolute; top: 5px; bottom: 5px; left: 5px; width: calc(50% - 7px); border-radius: 999px; background: var(--royal); transition: transform .35s var(--ease); }
.switch[data-active="1"] .switch__thumb { transform: translateX(calc(100% + 4px)); }
.switch button {
  position: relative; z-index: 1; min-height: 48px; border: 0; border-radius: 999px; background: none; cursor: pointer;
  font-family: var(--font-display); font-weight: 600; font-size: 1rem; color: var(--royal); transition: color .25s;
}
.switch button[aria-selected="true"] { color: #fff; }
.profile-panel {
  position: relative; overflow: hidden; background: var(--paper); border-radius: var(--r-card); border: 1px solid var(--line);
  box-shadow: var(--shadow-soft); padding: 28px 24px;
}
.profile-panel__shield { position: absolute; right: -40px; bottom: -40px; width: 220px; height: 220px; opacity: .07; pointer-events: none; }
.profile-panel h3 { font-size: var(--step-2); margin-bottom: 8px; }
.profile-panel > p { color: var(--muted); margin-bottom: 20px; max-width: 46ch; }
.profile-panel[data-animate] { animation: panel-in .35s var(--ease); }
@keyframes panel-in { from { opacity: 0; transform: translateY(8px); } }
.docs { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; border-top: 1px solid var(--line); position: relative; }
.docs li { display: grid; grid-template-columns: 30px 1fr; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.docs svg { width: 26px; height: 26px; margin-top: 2px; }
.docs strong { display: block; color: var(--royal); font-family: var(--font-display); font-weight: 600; font-size: 1.05rem; }
.docs span { color: var(--muted); font-size: .975rem; }
.note { display: flex; gap: 10px; align-items: flex-start; margin-top: 18px; padding: 12px 14px; border-radius: 12px; background: var(--mist); color: var(--royal); font-size: .95rem; line-height: 1.5; }
.note svg { flex: none; width: 20px; height: 20px; margin-top: 2px; }
@media (min-width: 980px) { .profiles { grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: 72px; } .profile-panel { padding: 36px 36px 32px; } }

/* ---------- Shield panel: responsible borrowing ---------- */
.shield-panel { position: relative; background: var(--navy); color: var(--on-navy); border-radius: 28px; padding: 40px 24px; display: grid; gap: 32px; overflow: hidden; }
.shield-panel__art { width: 120px; height: 140px; }
.shield-panel h2 { color: #fff; font-size: var(--step-3); }
.shield-panel__intro p { color: var(--on-navy-muted); margin-top: 12px; font-size: var(--step-1); line-height: 1.5; max-width: 30ch; }
.shield-panel ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 20px; }
.shield-panel li { display: grid; grid-template-columns: 30px 1fr; gap: 14px; padding-bottom: 20px; border-bottom: 1px solid rgba(255, 255, 255, .1); }
.shield-panel li:last-child { border-bottom: 0; padding-bottom: 0; }
.shield-panel li svg { width: 26px; height: 26px; margin-top: 2px; }
.shield-panel li strong { display: block; color: #fff; font-family: var(--font-display); font-weight: 600; font-size: 1.1rem; margin-bottom: 2px; }
.shield-panel li span { color: var(--on-navy-muted); }
.motion-ok .shield-panel__art .outline { stroke-dasharray: 1; stroke-dashoffset: 1; }
.motion-ok .shield-panel:not(.is-pending) .shield-panel__art .outline { animation: draw 1.4s .2s var(--ease) forwards; }
@media (min-width: 980px) { .shield-panel { grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); padding: 64px; gap: 64px; } .shield-panel__art { width: 150px; height: 175px; margin-bottom: 28px; } }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 36px; }
.faq__list { border-top: 1px solid var(--line); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q { margin: 0; font-size: inherit; }
.faq__btn {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 22px 0;
  background: none; border: 0; cursor: pointer; text-align: left;
  font-family: var(--font-display); font-weight: 600; font-size: var(--step-1); color: var(--royal); line-height: 1.3;
}
.faq__icon { flex: none; width: 34px; height: 34px; border-radius: 10px; position: relative; background: var(--mist); transition: background-color .25s var(--ease), transform .3s var(--ease); }
.faq__icon::before, .faq__icon::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; border-radius: 2px; background: var(--royal); transform: translate(-50%, -50%); transition: transform .3s var(--ease), background-color .25s; }
.faq__icon::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq__btn[aria-expanded="true"] .faq__icon { background: var(--green-deep); transform: rotate(180deg); }
.faq__btn[aria-expanded="true"] .faq__icon::before, .faq__btn[aria-expanded="true"] .faq__icon::after { background: #fff; }
.faq__btn[aria-expanded="true"] .faq__icon::after { transform: translate(-50%, -50%) rotate(0deg); }
.faq__panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .32s var(--ease); }
.faq__panel[data-open="true"] { grid-template-rows: 1fr; }
.faq__panel > div { overflow: hidden; }
.faq__panel p { padding: 0 52px 22px 0; color: var(--muted); max-width: 64ch; }
.faq__panel[hidden] { display: grid !important; visibility: hidden; }
@media (min-width: 980px) { .faq { grid-template-columns: minmax(0, .75fr) minmax(0, 1.25fr); gap: 72px; } }

/* ---------- CTA band ---------- */
.cta-band { position: relative; overflow: hidden; background: var(--green-deep); color: #fff; }
.cta-band__inner { position: relative; z-index: 1; display: grid; gap: 22px; padding-block: 60px; align-items: center; }
.cta-band h2 { color: #fff; font-size: var(--step-3); max-width: 18ch; }
.cta-band p { color: #d7f5df; margin-top: 8px; font-size: var(--step-1); max-width: 40ch; }
.cta-band .btn { width: fit-content; }
.cta-band__bars { position: absolute; right: 0; bottom: 0; height: 100%; width: min(48%, 520px); display: flex; align-items: flex-end; gap: 12px; padding-right: 24px; opacity: .22; pointer-events: none; }
.cta-band__bars i { flex: 1; background: #fff; border-radius: var(--r-bar); }
.cta-band__bars i:nth-child(1) { height: 25%; } .cta-band__bars i:nth-child(2) { height: 45%; } .cta-band__bars i:nth-child(3) { height: 65%; } .cta-band__bars i:nth-child(4) { height: 85%; }
@media (min-width: 820px) { .cta-band__inner { grid-template-columns: 1fr auto; padding-block: 80px; padding-right: 0; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--on-navy-muted); padding-block: 56px 32px; font-size: .975rem; }
.site-footer a { color: var(--on-navy); text-decoration: none; }
.site-footer a:hover { text-decoration: underline; color: #fff; }
.footer__grid { display: grid; gap: 32px; }
.footer__brand { display: grid; gap: 16px; max-width: 36ch; }
.footer__logo { width: 132px; background: #fff; border-radius: 16px; padding: 12px; }
.site-footer h2 { font-size: 1rem; color: #fff; margin-bottom: 12px; font-weight: 600; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer__legal { border-top: 1px solid rgba(255, 255, 255, .12); margin-top: 40px; padding-top: 24px; display: grid; gap: 10px; font-size: .875rem; line-height: 1.6; }
@media (min-width: 820px) { .footer__grid { grid-template-columns: 1.4fr 1fr 1fr; gap: 56px; } }

/* ==========================================================================
   APPLICATION PAGE — one card: navy progress panel + the full form
   ========================================================================== */
.app-page { background: var(--mist); padding-block: 28px 72px; }
.app-top { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 18px; }
.backlink { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; text-decoration: none; }
.backlink svg { width: 18px; height: 18px; transition: transform .2s var(--ease); }
.backlink:hover svg { transform: translateX(-3px); }
.app-top .secure { font-weight: 500; }

.app-card {
  display: grid; background: var(--paper); border-radius: 24px; overflow: hidden;
  box-shadow: var(--shadow-card); border: 1px solid var(--line);
}
@media (min-width: 1000px) { .app-card { grid-template-columns: 360px minmax(0, 1fr); } }

/* Left: navy panel with rising progress bars and a live summary */
.app-panel {
  position: relative; background: var(--navy); color: var(--on-navy); padding: 28px 22px 26px; display: grid; gap: 22px; align-content: start;
  background-image: linear-gradient(rgba(255, 255, 255, .04) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .04) 1px, transparent 1px);
  background-size: 32px 32px;
}
.app-panel__step { font-size: var(--step--1); font-weight: 600; color: var(--green-bright); }
.app-panel h1 { color: #fff; font-size: clamp(1.6rem, 1.3rem + 1vw, 2.1rem); font-weight: 700; letter-spacing: -0.02em; }
.app-panel__lede { color: var(--on-navy-muted); font-size: 1rem; line-height: 1.5; }
.meter { display: grid; gap: 10px; }
.meter__bars { display: flex; align-items: flex-end; gap: 8px; height: 84px; }
.meter__bars i {
  flex: 1; border-radius: 5px 5px 2px 2px; background: rgba(255, 255, 255, .12);
  transition: background-color .4s var(--ease), transform .5s var(--ease); transform-origin: bottom;
}
.meter__bars i:nth-child(1) { height: 22%; } .meter__bars i:nth-child(2) { height: 36%; } .meter__bars i:nth-child(3) { height: 50%; }
.meter__bars i:nth-child(4) { height: 64%; } .meter__bars i:nth-child(5) { height: 80%; } .meter__bars i:nth-child(6) { height: 100%; }
.meter__bars i.is-on { background: linear-gradient(180deg, var(--green-bright), var(--green)); }
.motion-ok .meter__bars i.is-on { animation: bump .45s var(--ease); }
@keyframes bump { 0% { transform: scaleY(.7); } 100% { transform: scaleY(1); } }
.meter__label { display: flex; justify-content: space-between; font-size: .925rem; color: var(--on-navy-muted); }
.meter__label strong { color: #fff; font-weight: 600; }
.summary { display: grid; gap: 0; margin: 0; border-top: 1px solid rgba(255, 255, 255, .12); }
.summary div { display: flex; justify-content: space-between; gap: 12px; padding: 11px 0; border-bottom: 1px solid rgba(255, 255, 255, .12); font-size: .95rem; }
.summary dt { color: var(--on-navy-muted); }
.summary dd { margin: 0; color: #fff; font-weight: 600; text-align: right; overflow-wrap: anywhere; font-variant-numeric: tabular-nums; }
.summary dd.is-empty { color: rgba(255, 255, 255, .35); font-weight: 400; }
@media (max-width: 999px) {
  .app-panel { grid-template-columns: 1fr; }
  .summary { display: none; }
  .meter__bars { height: 56px; }
}

/* Right: the form itself */
.app-main { padding: 26px 20px 28px; min-width: 0; }
@media (min-width: 720px) { .app-main { padding: 40px 44px 40px; } }
.app-form { display: grid; gap: 30px; }
.app-form fieldset { border: 0; margin: 0; padding: 0; min-width: 0; display: grid; gap: 18px; }
.group-title { display: flex; align-items: center; gap: 12px; font-family: var(--font-display); font-weight: 600; font-size: 1.15rem; color: var(--royal); padding: 0; margin-bottom: 2px; }
.group-title b { width: 30px; height: 30px; border-radius: 9px; display: grid; place-items: center; background: var(--mist); color: var(--royal); font-size: .95rem; transition: background-color .3s, color .3s; }
.group-title.is-done b { background: var(--green-deep); color: #fff; }
.group-title span.opt { font-family: var(--font-body); font-weight: 400; color: var(--muted); font-size: .95rem; }
.form-row { display: grid; gap: 18px; }
@media (min-width: 640px) { .form-row--2 { grid-template-columns: 1fr 1fr; } }
.edit-link { font-size: .925rem; font-weight: 600; justify-self: start; }
.req-legend { font-size: .9rem; color: var(--muted); }

.amount-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { min-height: 40px; padding: 0 14px; border-radius: 999px; cursor: pointer; border: 1.5px solid var(--line); background: var(--paper); color: var(--royal); font-weight: 600; font-size: .95rem; transition: background-color .18s, border-color .18s, color .18s; font-variant-numeric: tabular-nums; }
.chip:hover { border-color: var(--royal); }
.chip[aria-pressed="true"] { background: var(--royal); border-color: var(--royal); color: #fff; }
.amount-words { font-size: .925rem; color: var(--green-deep); font-weight: 600; min-height: 1.3em; }

.choice-grid { display: grid; gap: 12px; grid-template-columns: 1fr; }
@media (min-width: 520px) { .choice-grid { grid-template-columns: 1fr 1fr; } }
.choice { position: relative; display: block; cursor: pointer; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; }
.choice__body { display: grid; grid-template-columns: 44px 1fr; gap: 12px; align-items: center; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 14px; background: var(--mist); transition: border-color .18s, background-color .18s, box-shadow .18s; }
.choice__body svg { width: 44px; height: 44px; padding: 9px; border-radius: 12px; background: var(--paper); transition: background-color .18s; }
.choice__body strong { display: block; color: var(--royal); font-family: var(--font-display); font-weight: 600; }
.choice__body span span { font-size: .9rem; color: var(--muted); }
.choice input:hover + .choice__body { border-color: #b8c4de; }
.choice input:checked + .choice__body { border-color: var(--green-deep); background: var(--mint); box-shadow: 0 0 0 4px rgba(6, 159, 46, .12); }
.choice input:checked + .choice__body svg { background: var(--green-deep); color: #fff; }
.choice input:checked + .choice__body svg * { stroke: #fff; }
.choice input:focus-visible + .choice__body { outline: 3px solid var(--blue); outline-offset: 2px; }
.choice-grid[aria-invalid="true"] .choice__body { border-color: var(--error); }

.consent { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; padding: 16px; border-radius: 14px; background: var(--mist); border: 1.5px solid var(--line); }
.consent input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--green-deep); cursor: pointer; }
.consent label { font-size: .975rem; line-height: 1.5; cursor: pointer; }
.consent[aria-invalid="true"] { border-color: var(--error); background: var(--error-bg); }

.otp { display: grid; gap: 14px; padding: 20px; border-radius: 14px; border: 1.5px solid var(--blue); background: var(--mist); }
.otp h3 { font-size: 1.15rem; }
.otp .input { max-width: 220px; letter-spacing: .5em; font-size: 1.4rem; text-align: center; font-variant-numeric: tabular-nums; }
.linklike { background: none; border: 0; padding: 0; color: var(--blue); font-weight: 700; text-decoration: underline; cursor: pointer; justify-self: start; }
.linklike[disabled] { color: var(--muted); text-decoration: none; cursor: default; }
.submit-row { display: grid; gap: 12px; padding-top: 6px; border-top: 1px solid var(--line); padding-top: 24px; }

/* States inside the card */
.state { display: grid; gap: 16px; justify-items: start; padding-block: 12px; }
.state__icon { width: 64px; height: 64px; border-radius: 18px; display: grid; place-items: center; background: var(--mist); }
.state__icon svg { width: 34px; height: 34px; }
.state h2 { font-size: var(--step-2); }
.state p { color: var(--muted); max-width: 52ch; }
.state__ref { display: grid; gap: 2px; padding: 14px 18px; border-radius: 12px; background: var(--mint); border: 1px dashed var(--green-deep); }
.state__ref span { font-size: .85rem; color: var(--muted); }
.state__ref strong { font-family: var(--font-display); font-size: 1.3rem; color: var(--green-deep); letter-spacing: .04em; font-variant-numeric: tabular-nums; }
.state__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.state--success .state__icon { background: var(--mint); }
.motion-ok .state--success .check { stroke-dasharray: 40; stroke-dashoffset: 40; animation: tick .6s .15s var(--ease) forwards; }
@keyframes tick { to { stroke-dashoffset: 0; } }
.skeleton { display: block; height: 52px; border-radius: var(--r-input); background: var(--mist); }
.motion-ok .skeleton { animation: shimmer 1.2s ease-in-out infinite; }
@keyframes shimmer { 50% { opacity: .5; } }

/* Next steps strip under the card */
.next { display: grid; gap: 14px; margin-top: 28px; }
.next h2 { font-size: 1.15rem; }
.next ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.next li { display: grid; grid-template-columns: 34px 1fr; gap: 12px; align-items: start; }
.next b { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; background: var(--paper); border: 1.5px solid var(--line); color: var(--royal); font-family: var(--font-display); }
.next strong { display: block; color: var(--royal); font-family: var(--font-display); font-weight: 600; line-height: 1.3; padding-top: 4px; }
.next span { color: var(--muted); font-size: .95rem; }
@media (min-width: 820px) { .next ol { grid-template-columns: repeat(3, 1fr); gap: 24px; } }

.preview-banner { background: var(--green-deep); color: #fff; font-size: .925rem; text-align: center; padding: 8px max(16px, env(safe-area-inset-right, 0px)) 8px max(16px, env(safe-area-inset-left, 0px)); }

/* ==========================================================================
   Motion: one page-load sequence + scroll reveals (only when motion is OK).
   Content is visible by default; JS adds .is-pending only to elements that
   start below the fold.
   ========================================================================== */
.motion-ok .load-in { animation: rise .7s var(--ease) backwards; }
.motion-ok .load-in:nth-child(2) { animation-delay: .08s; }
.motion-ok .load-in:nth-child(3) { animation-delay: .16s; }
.motion-ok .load-in:nth-child(4) { animation-delay: .24s; }
.motion-ok .load-in:nth-child(5) { animation-delay: .32s; }
.motion-ok .load-card { animation: rise-card .9s .25s var(--ease) backwards; }
@keyframes rise { from { opacity: 0; transform: translateY(18px); } }
@keyframes rise-card { from { opacity: 0; transform: translateY(60px); } }
.motion-ok .reveal { transition: opacity .7s var(--ease), transform .7s var(--ease); transition-delay: calc(var(--i, 0) * 80ms); }
.motion-ok .reveal.is-pending { opacity: 0; transform: translateY(22px); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-delay: 0s !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; transition-delay: 0s !important; }
}