:root{
  --color-primary:#1a237e;
  --color-primary-light:#3f51b5;
  --color-bg:#f0f4ff;
  --color-border:#e8eaf6;
  --color-text:#0d1545;
  --color-muted:#6b7280;
  --radius-sm:10px;
  --radius-md:14px;
  --radius-lg:20px;
  --input-h:52px;
  --form-max:800px;
  --applicant-max:1100px;
  --page-pad:clamp(16px,4vw,32px);
}

*{margin:0;padding:0;box-sizing:border-box;}
body{font-family:'Inter',sans-serif;background:var(--color-bg);min-height:100vh;color:#111827;}

/* ===== HEADER ===== */
.header{background:#fff;padding:16px var(--page-pad);border-bottom:1px solid var(--color-border);display:flex;align-items:center;justify-content:center;position:sticky;top:0;z-index:200;box-shadow:0 1px 8px rgba(26,35,126,0.07);}
.header a{display:flex;align-items:center;justify-content:center;text-decoration:none;}
.logo-img{max-height:44px;max-width:160px;object-fit:contain;}
.logo-text{font-size:26px;font-weight:800;letter-spacing:-0.5px;display:none;}
.logo-text span:first-child{color:#2e7d32;}
.logo-text span:last-child{color:var(--color-primary);}

/* ===== HOME ===== */
.home-wrap{max-width:1040px;margin:0 auto;padding:40px var(--page-pad) 60px;}
.hero{text-align:center;margin-bottom:40px;}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:#e8eaf6;color:#3949ab;font-size:13px;font-weight:600;padding:8px 16px;border-radius:100px;margin-bottom:16px;}
.hero h1{font-size:clamp(24px,5vw,32px);font-weight:800;color:var(--color-text);line-height:1.25;margin-bottom:10px;}
.hero h1 em{font-style:normal;color:var(--color-primary);}
.hero p{font-size:15px;color:var(--color-muted);max-width:520px;margin:0 auto 18px;line-height:1.7;}
.trust-row{display:flex;align-items:center;justify-content:center;gap:10px;flex-wrap:wrap;}
.avatars{display:flex;}
.av{width:32px;height:32px;border-radius:50%;border:2px solid #fff;margin-left:-8px;font-size:14px;display:flex;align-items:center;justify-content:center;background:#c5cae9;}
.av:first-child{margin-left:0;}
.trust-text{font-size:14px;color:var(--color-muted);}.trust-text strong{color:var(--color-primary);}
.section-title{font-size:12px;font-weight:700;color:#9ca3af;text-transform:uppercase;letter-spacing:1px;margin-bottom:16px;}
.cards-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-bottom:32px;}
.loan-card{background:#fff;border:1.5px solid var(--color-border);border-radius:var(--radius-md);padding:22px 20px 18px;cursor:pointer;transition:all 0.22s;position:relative;overflow:hidden;text-decoration:none;display:block;}
.loan-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--color-primary),var(--color-primary-light));opacity:0;transition:opacity 0.22s;}
.loan-card:hover{border-color:#c5cae9;box-shadow:0 8px 24px rgba(26,35,126,0.12);transform:translateY(-2px);}
.loan-card:hover::before{opacity:1;}
.card-icon{width:48px;height:48px;border-radius:12px;background:#eef0fb;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:14px;}
.loan-card h3{font-size:16px;font-weight:700;color:var(--color-text);margin-bottom:6px;}
.loan-card p{font-size:13px;color:#9ca3af;margin-bottom:12px;line-height:1.5;}
.apply-link{display:inline-flex;align-items:center;gap:4px;font-size:13px;color:var(--color-primary);font-weight:600;}
.apply-link svg{transition:transform 0.2s;}
.loan-card:hover .apply-link svg{transform:translateX(3px);}
.accent-card::before{background:linear-gradient(90deg,#f59e0b,#fbbf24);}
.accent-card .card-icon{background:#fffbeb;}
.accent-card .apply-link{color:#d97706;}
.accent-grid{grid-template-columns:1fr;}
.stats-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:24px;}
.stat-box{background:#fff;border-radius:var(--radius-md);padding:18px;text-align:center;border:1.5px solid var(--color-border);}
.stat-num{font-size:22px;font-weight:800;color:var(--color-primary);}
.stat-lbl{font-size:12px;color:#9ca3af;margin-top:4px;font-weight:500;}
.disclaimer{text-align:center;font-size:12px;color:#b0b8c1;line-height:1.6;max-width:600px;margin:0 auto;}

/* ===== FORM PAGES ===== */
.form-wrap,.applicant-wrap{width:100%;max-width:var(--form-max);margin:0 auto;padding:32px var(--page-pad) 72px;}
.applicant-wrap{max-width:var(--applicant-max);}
.form-back{display:inline-flex;align-items:center;gap:8px;font-size:14px;color:var(--color-muted);margin-bottom:22px;font-weight:500;transition:color 0.2s;text-decoration:none;}
.form-back:hover{color:var(--color-primary);}
.form-top{margin-bottom:24px;}
.loan-tag{display:inline-flex;align-items:center;gap:6px;background:#eef0fb;color:#3949ab;font-size:12px;font-weight:600;padding:6px 14px;border-radius:100px;margin-bottom:10px;}
.form-top h1,.form-top h2{font-size:clamp(20px,4vw,26px);font-weight:800;color:var(--color-text);line-height:1.3;}
.form-top p{font-size:15px;color:var(--color-muted);margin-top:6px;line-height:1.6;}
.applicant-title{font-size:clamp(20px,4vw,26px);font-weight:800;color:var(--color-text);}
.applicant-subtitle{font-size:15px;color:var(--color-muted);margin-top:6px;line-height:1.6;}

.fcard,.psection{background:#fff;border-radius:var(--radius-lg);border:1.5px solid var(--color-border);box-shadow:0 4px 24px rgba(26,35,126,0.06);}
.fcard{padding:clamp(24px,4vw,36px) clamp(20px,4vw,32px);}
.psection{padding:clamp(22px,4vw,32px) clamp(18px,4vw,28px);margin-bottom:20px;}
.psection-title{font-size:17px;font-weight:700;color:var(--color-text);margin-bottom:22px;display:flex;align-items:center;gap:8px;padding-bottom:12px;border-bottom:1px solid #f3f4f6;}
.psection-title span{font-size:20px;}

/* ===== GRIDS ===== */
.pgrid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px 20px;}
.pgrid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 20px;}
.pgrid-1{display:grid;grid-template-columns:1fr;gap:18px;}
.pgrid-3 .field-full,.pgrid-2 .field-full,.field.field-full{grid-column:1/-1;}

/* ===== FIELDS ===== */
.field{width:100%;min-width:0;}
.field label{display:flex;align-items:center;gap:4px;font-size:13px;color:#374151;margin-bottom:8px;font-weight:600;}
.req{color:#ef4444;}
.iw{position:relative;width:100%;}
.ico{position:absolute;left:14px;top:50%;transform:translateY(-50%);width:18px;height:18px;color:#9ca3af;pointer-events:none;flex-shrink:0;}
.field input,.field select,.field textarea{
  width:100%;
  min-height:var(--input-h);
  padding:14px 16px 14px 44px;
  font-size:15px;
  border:1.5px solid #e5e7eb;
  border-radius:var(--radius-sm);
  outline:none;
  transition:border-color 0.2s,box-shadow 0.2s,background 0.2s;
  color:#111827;
  background:#fafafa;
  font-family:'Inter',sans-serif;
  -webkit-appearance:none;
  appearance:none;
}
.field select{padding-right:40px;cursor:pointer;}
.field textarea{
  padding:14px 16px;
  min-height:100px;
  resize:vertical;
  line-height:1.6;
}
.field textarea.no-ico,.no-ico{padding-left:16px!important;}
.field input:focus,.field select:focus,.field textarea:focus{
  border-color:var(--color-primary);
  background:#fff;
  box-shadow:0 0 0 4px rgba(26,35,126,0.1);
}
.field input.err,.field select.err,.field textarea.err{border-color:#ef4444;box-shadow:0 0 0 4px rgba(239,68,68,0.08);}
.field input::placeholder,.field textarea::placeholder{color:#c4c9d4;font-size:15px;}
.sel-arrow{position:absolute;right:14px;top:50%;transform:translateY(-50%);pointer-events:none;color:#9ca3af;width:14px;height:14px;}
.errmsg{font-size:12px;color:#ef4444;margin-top:6px;display:none;}
.errmsg.show{display:block;}
.field-block{margin-bottom:20px;width:100%;}

.slabel{font-size:11px;font-weight:700;color:#9ca3af;text-transform:uppercase;letter-spacing:1.1px;margin:28px 0 18px;padding-bottom:8px;border-bottom:1px solid #f3f4f6;}
.slabel:first-child{margin-top:0;}

/* DOB */
.dob-row{display:grid;grid-template-columns:1fr 1fr 1.4fr;gap:12px;width:100%;}
.dob-row .field input{padding-left:16px;text-align:center;min-height:var(--input-h);}

/* Toggle */
.toggle-group{display:flex;gap:12px;width:100%;}
.tog-btn{
  flex:1;
  min-height:var(--input-h);
  padding:12px 16px;
  border:1.5px solid #e5e7eb;
  border-radius:var(--radius-sm);
  background:#fafafa;
  font-size:15px;
  font-weight:600;
  color:var(--color-muted);
  cursor:pointer;
  transition:all 0.18s;
  font-family:'Inter',sans-serif;
}
.tog-btn.active-yes{border-color:#22c55e;background:#f0fdf4;color:#16a34a;}
.tog-btn.active-no{border-color:#ef4444;background:#fef2f2;color:#dc2626;}

/* Consent */
.consent-box{background:#f8f9ff;border:1.5px solid var(--color-border);border-radius:var(--radius-md);padding:18px;margin:24px 0 0;}
.consent-row{display:flex;align-items:flex-start;gap:12px;}
.consent-row input[type=checkbox]{width:18px;height:18px;margin-top:3px;cursor:pointer;accent-color:var(--color-primary);flex-shrink:0;}
.consent-row label{font-size:13px;color:var(--color-muted);line-height:1.7;cursor:pointer;}
.consent-row label a{color:var(--color-primary);font-weight:600;}
.consent-err{font-size:12px;color:#ef4444;margin-top:8px;display:none;}
.consent-err.show{display:block;}

/* Buttons */
.btn-proceed,.btn-save{
  display:flex;align-items:center;justify-content:center;gap:10px;
  width:100%;
  min-height:54px;
  padding:16px 24px;
  background:linear-gradient(135deg,var(--color-primary),var(--color-primary-light));
  color:#fff;
  border:none;
  border-radius:var(--radius-md);
  font-size:16px;
  font-weight:700;
  cursor:pointer;
  transition:all 0.2s;
  font-family:'Inter',sans-serif;
}
.btn-proceed{margin-top:24px;}
.btn-proceed:hover,.btn-save:hover{background:linear-gradient(135deg,#0d1545,var(--color-primary));box-shadow:0 8px 24px rgba(26,35,126,0.3);transform:translateY(-1px);}
.secure-note{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;font-size:13px;color:#9ca3af;}

/* References */
.ref-block{border:1.5px solid var(--color-border);border-radius:var(--radius-md);padding:22px;margin-bottom:18px;background:#fafbff;}
.ref-title{font-size:15px;font-weight:700;color:#374151;margin-bottom:16px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;}
.remove-ref-btn{background:none;border:none;color:#ef4444;font-size:13px;font-weight:600;cursor:pointer;font-family:'Inter',sans-serif;padding:4px 0;}
.add-ref-btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:12px 20px;
  background:#eef0fb;color:var(--color-primary);
  border:1.5px dashed #c5cae9;border-radius:var(--radius-sm);
  font-size:14px;font-weight:600;cursor:pointer;
  transition:all 0.2s;font-family:'Inter',sans-serif;
  width:100%;justify-content:center;
}
.add-ref-btn:hover{background:#e8eaf6;}
.addr-subtitle{font-size:14px;font-weight:700;color:var(--color-primary);margin-bottom:16px;}

/* Loan form — 2 columns on large screens for short fields */
@media(min-width:640px){
  .loan-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;}
  .loan-form-grid .field-block--full{grid-column:1/-1;}
}

/* ===== THANK YOU ===== */
.page-thankyou-bg{background:linear-gradient(160deg,#eef2ff 0%,var(--color-bg) 45%,#e8f5e9 100%);min-height:calc(100vh - 70px);}
.thankyou-wrap{max-width:600px;margin:0 auto;padding:40px var(--page-pad) 80px;}
.thankyou-card{background:#fff;border-radius:24px;border:1.5px solid var(--color-border);padding:clamp(28px,5vw,40px) clamp(22px,4vw,32px);box-shadow:0 12px 40px rgba(26,35,126,0.1);position:relative;overflow:hidden;}
.thankyou-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--color-primary),var(--color-primary-light),#22c55e);}
.ty-check{width:80px;height:80px;border-radius:50%;background:linear-gradient(135deg,#22c55e,#16a34a);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;box-shadow:0 8px 24px rgba(34,197,94,0.35);animation:tyPop 0.5s cubic-bezier(0.34,1.56,0.64,1) both;}
.ty-check svg{color:#fff;}
.ty-badge{display:inline-flex;align-items:center;gap:6px;background:#eef0fb;color:#3949ab;font-size:12px;font-weight:700;padding:6px 14px;border-radius:100px;margin-bottom:12px;}
.ty-badge.lead-accent{background:#fffbeb;color:#d97706;}
.thankyou-card h1{font-size:clamp(20px,4vw,24px);font-weight:800;color:var(--color-text);margin-bottom:10px;text-align:center;line-height:1.3;}
.thankyou-card .ty-desc{font-size:15px;color:var(--color-muted);line-height:1.75;text-align:center;margin-bottom:24px;}
.ty-ref-box{background:linear-gradient(135deg,#f8f9ff,#eef0fb);border:1.5px dashed #c5cae9;border-radius:var(--radius-md);padding:18px 20px;text-align:center;margin-bottom:26px;}
.ty-ref-lbl{font-size:11px;font-weight:700;color:#9ca3af;text-transform:uppercase;letter-spacing:0.8px;margin-bottom:6px;}
.ty-ref-id{font-size:20px;font-weight:800;color:var(--color-primary);letter-spacing:1px;font-family:ui-monospace,monospace;}
.ty-steps{margin-bottom:28px;}
.ty-steps-title{font-size:12px;font-weight:700;color:#9ca3af;text-transform:uppercase;letter-spacing:0.8px;margin-bottom:16px;text-align:center;}
.ty-step{display:flex;gap:14px;margin-bottom:16px;align-items:flex-start;}
.ty-step:last-child{margin-bottom:0;}
.ty-step-num{width:32px;height:32px;border-radius:50%;background:linear-gradient(135deg,var(--color-primary),var(--color-primary-light));color:#fff;font-size:13px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.ty-step-body strong{display:block;font-size:14px;color:var(--color-text);margin-bottom:4px;}
.ty-step-body span{font-size:13px;color:var(--color-muted);line-height:1.55;}
.ty-contact{text-align:center;font-size:14px;color:#9ca3af;margin-bottom:22px;padding-top:8px;border-top:1px solid #f3f4f6;}
.ty-contact a{color:var(--color-primary);font-weight:600;text-decoration:none;}
.ty-actions{display:flex;flex-direction:column;gap:12px;}
.btn-home,.btn-ty-secondary{min-height:52px;}
.btn-home{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:14px 24px;background:linear-gradient(135deg,var(--color-primary),var(--color-primary-light));color:#fff;border:none;border-radius:var(--radius-md);font-size:15px;font-weight:700;font-family:'Inter',sans-serif;transition:all 0.2s;text-decoration:none;}
.btn-home:hover{box-shadow:0 8px 24px rgba(26,35,126,0.28);transform:translateY(-1px);}
.btn-ty-secondary{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:14px 24px;background:#fff;color:var(--color-primary);border:1.5px solid #c5cae9;border-radius:var(--radius-md);font-size:14px;font-weight:600;font-family:'Inter',sans-serif;transition:all 0.2s;text-decoration:none;}
.btn-ty-secondary:hover{background:#eef0fb;}

/* ===== RESPONSIVE ===== */
@media(max-width:900px){
  .pgrid-3{grid-template-columns:repeat(2,minmax(0,1fr));}
  .pgrid-3 .field[style*="grid-column"]{grid-column:1/-1;}
}

@media(max-width:640px){
  .cards-grid{grid-template-columns:1fr;}
  .stats-row{grid-template-columns:1fr;gap:10px;}
  .pgrid-3,.pgrid-2{grid-template-columns:1fr;gap:16px;}
  .dob-row{grid-template-columns:1fr 1fr 1fr;gap:10px;}
  .toggle-group{flex-direction:column;}
  .form-wrap,.applicant-wrap{padding-top:24px;padding-bottom:56px;}
  .fcard,.psection{padding:20px 18px;}
  .field input,.field select,.field textarea{font-size:16px;}
}

@media(max-width:380px){
  .hero h1{font-size:22px;}
  .dob-row{grid-template-columns:1fr;}
}

@keyframes tyPop{0%{transform:scale(0);opacity:0;}100%{transform:scale(1);opacity:1;}}
@keyframes tyFadeUp{0%{opacity:0;transform:translateY(12px);}100%{opacity:1;transform:translateY(0);}}
.ty-animate{animation:tyFadeUp 0.45s ease both;}
.ty-animate-d1{animation-delay:0.1s;}
.ty-animate-d2{animation-delay:0.2s;}
.ty-animate-d3{animation-delay:0.3s;}
@keyframes spin{to{transform:rotate(360deg);}}