/* Design Tokens & Custom Variables */
:root {
    --bg-dark: #030712;
    --bg-card: rgba(15, 23, 42, 0.45);
    --bg-card-hover: rgba(15, 23, 42, 0.65);
    --border-glass: rgba(255, 255, 255, 0.08);
    --border-gold: rgba(212, 175, 55, 0.2);
    --border-gold-hover: rgba(212, 175, 55, 0.45);
    
    /* Branding Colors */
    --color-gold: #d4af37;
    --color-gold-light: #f3e5ab;
    --color-gold-gradient: linear-gradient(135deg, #d4af37 0%, #aa7c11 100%);
    --color-teal: #00f2fe;
    --color-teal-dark: #0099a8;
    --color-teal-gradient: linear-gradient(135deg, #4facfe 0%, #00f2fe 100%);
    --color-text: #f3f4f6;
    --color-text-dim: #9ca3af;
    --color-error: #ef4444;
    
    /* Glass Effect properties */
    --glass-blur: blur(14px) saturate(180%);
    --glass-shadow: 0 8px 32px 0 rgba(0, 0, 0, 0.45);
    --glow-shadow: 0 0 20px 2px rgba(212, 175, 55, 0.15);
    --glow-teal-shadow: 0 0 20px 2px rgba(0, 242, 254, 0.15);
    
    /* Transition Speed */
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Global Reset & Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-family: 'Inter', sans-serif;
    background-color: var(--bg-dark);
    color: var(--color-text);
}

body {
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    overflow-x: hidden;
    position: relative;
}

/* Cinematic Background Glows */
.glow-bg {
    position: fixed;
    width: 60vw;
    height: 60vw;
    border-radius: 50%;
    filter: blur(120px);
    opacity: 0.12;
    z-index: -1;
    pointer-events: none;
}

.glow-gold {
    top: -20vw;
    right: -10vw;
    background: radial-gradient(circle, var(--color-gold) 0%, transparent 70%);
}

.glow-cyan {
    bottom: -20vw;
    left: -10vw;
    background: radial-gradient(circle, var(--color-teal) 0%, transparent 70%);
}

.glow-dark {
    top: 30%;
    left: 20%;
    width: 40vw;
    height: 40vw;
    background: radial-gradient(circle, #3b82f6 0%, transparent 60%);
    opacity: 0.05;
}

/* Scrollbar Customization */
::-webkit-scrollbar {
    width: 8px;
}
::-webkit-scrollbar-track {
    background: var(--bg-dark);
}
::-webkit-scrollbar-thumb {
    background: rgba(255, 255, 255, 0.1);
    border-radius: 10px;
}
::-webkit-scrollbar-thumb:hover {
    background: var(--color-gold);
}

/* Typography & General Classes */
h1, h2, h3, h4, h5, h6 {
    font-family: 'Outfit', sans-serif;
    font-weight: 700;
    letter-spacing: -0.02em;
    color: #ffffff;
}

p {
    line-height: 1.6;
    color: var(--color-text-dim);
}

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

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

.text-teal {
    color: var(--color-teal) !important;
}

.text-gold {
    color: var(--color-gold) !important;
}

.text-dim {
    color: var(--color-text-dim);
}

.badge {
    display: inline-block;
    padding: 6px 14px;
    background: rgba(212, 175, 55, 0.1);
    border: 1px solid var(--border-gold);
    color: var(--color-gold-light);
    border-radius: 30px;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 20px;
}

/* UI Elements: Glass Card */
.glass-card {
    background: var(--bg-card);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--border-glass);
    border-radius: 20px;
    box-shadow: var(--glass-shadow);
    transition: var(--transition);
}

.glass-card:hover {
    background: var(--bg-card-hover);
    border-color: rgba(255, 255, 255, 0.15);
}

/* UI Elements: Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px 22px;
    border-radius: 12px;
    font-family: 'Outfit', sans-serif;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: var(--transition);
    border: 1px solid transparent;
}

.btn-primary {
    background: var(--color-gold-gradient);
    color: #030712;
    box-shadow: var(--glow-shadow);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 0 25px 5px rgba(212, 175, 55, 0.3);
    filter: brightness(1.15);
}

.btn-secondary {
    background: rgba(255, 255, 255, 0.05);
    border-color: var(--border-glass);
    color: #ffffff;
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--color-gold);
    transform: translateY(-2px);
}

.btn-whatsapp {
    background: #25d366;
    color: #ffffff;
    box-shadow: 0 0 15px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp:hover {
    transform: translateY(-2px);
    box-shadow: 0 0 25px rgba(37, 211, 102, 0.5);
}

.btn-large {
    padding: 14px 30px;
    font-size: 1.05rem;
    border-radius: 14px;
}

.btn-block {
    display: flex;
    width: 100%;
}

.btn-link {
    background: none;
    border: none;
    color: var(--color-gold);
    font-weight: 500;
    cursor: pointer;
    text-decoration: underline;
}

.btn-link:hover {
    color: var(--color-gold-light);
}

/* Header & Navigation Styles */
.main-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(3, 7, 18, 0.65);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border-bottom: 1px solid var(--border-glass);
    transition: var(--transition);
}

.header-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 16px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo-wrapper {
    display: flex;
    align-items: center;
    gap: 12px;
}

.brand-logo {
    height: 40px;
    width: auto;
    object-fit: contain;
}

.brand-name {
    font-family: 'Outfit', sans-serif;
    font-weight: 800;
    font-size: 1.15rem;
    letter-spacing: 0.1em;
    background: var(--color-gold-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--color-text-dim);
    position: relative;
    padding: 6px 0;
}

.nav-link:hover, .nav-link.active {
    color: #ffffff;
}

.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 2px;
    background: var(--color-gold-gradient);
    border-radius: 4px;
}

.menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 24px;
    height: 18px;
    background: transparent;
    border: none;
    cursor: pointer;
}

.menu-toggle .bar {
    width: 100%;
    height: 2px;
    background-color: #ffffff;
    transition: var(--transition);
}

/* App View Router System */
.content-container {
    flex: 1;
    max-width: 1280px;
    width: 100%;
    margin: 0 auto;
    padding: 40px 24px;
}

.app-view {
    display: none;
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.5s ease, transform 0.5s ease;
}

.app-view.active {
    display: block;
    opacity: 1;
    transform: translateY(0);
}

/* VIEW: HOME PAGE */
.hero-section {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 48px;
    align-items: center;
    padding: 40px 0 80px 0;
}

.hero-content h1 {
    font-size: 3.5rem;
    line-height: 1.15;
    margin-bottom: 20px;
}

.hero-desc {
    font-size: 1.15rem;
    margin-bottom: 30px;
    max-width: 580px;
}

/* Hero Products Selector Grid */
.hero-product-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin-bottom: 40px;
    max-width: 580px;
}

.hero-prod-card {
    padding: 20px;
    text-align: center;
    cursor: pointer;
    border: 1px solid var(--border-glass);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
    transition: var(--transition);
}

.hero-prod-card i {
    font-size: 1.8rem;
    transition: var(--transition);
}

.hero-prod-card .icon-home { color: var(--color-gold); }
.hero-prod-card .icon-personal { color: var(--color-teal); }
.hero-prod-card .icon-business { color: #f59e0b; }

.hero-prod-card:hover {
    transform: translateY(-4px);
    border-color: var(--color-gold);
    box-shadow: var(--glow-shadow);
    background: rgba(255, 255, 255, 0.05);
}

.hero-prod-card:hover i {
    transform: scale(1.1);
}

.hero-prod-card span {
    font-size: 0.9rem;
    font-weight: 600;
}

.hero-actions {
    display: flex;
    gap: 16px;
    margin-bottom: 60px;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.stat-card {
    display: flex;
    flex-direction: column;
}

.stat-num {
    font-size: 1.8rem;
    font-family: 'Outfit', sans-serif;
    font-weight: 800;
    color: #ffffff;
    background: var(--color-gold-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.stat-label {
    font-size: 0.8rem;
    color: var(--color-text-dim);
    margin-top: 4px;
}

/* Interactive Teaser Flow */
.visual-card {
    border: 1px solid var(--border-gold);
    box-shadow: var(--glow-shadow);
}

.visual-header {
    padding: 16px 20px;
    border-bottom: 1px solid var(--border-glass);
    display: flex;
    align-items: center;
    gap: 14px;
}

.visual-dots span {
    display: inline-block;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    margin-right: 6px;
}

.visual-dots span:nth-child(1) { background-color: #ef4444; }
.visual-dots span:nth-child(2) { background-color: #eab308; }
.visual-dots span:nth-child(3) { background-color: #22c55e; }

.visual-title {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--color-text-dim);
    letter-spacing: 0.05em;
    text-transform: uppercase;
}

.visual-body {
    padding: 24px;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.flow-step {
    display: flex;
    align-items: center;
    gap: 16px;
}

.step-icon {
    width: 42px;
    height: 42px;
    border-radius: 10px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid var(--border-glass);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-gold);
    font-size: 1.1rem;
}

.flow-step.pending .step-icon {
    color: var(--color-text-dim);
}

.step-info h4 {
    font-size: 0.95rem;
    margin-bottom: 2px;
}

.step-info p {
    font-size: 0.75rem;
}

.step-status {
    margin-left: auto;
    font-size: 0.75rem;
    font-weight: 600;
}

.flow-step.pending .step-info h4 {
    color: var(--color-text-dim);
}

.flow-divider {
    width: 2px;
    height: 18px;
    background: rgba(255, 255, 255, 0.05);
    margin-left: 20px;
}

/* Features Grid section */
.section-title-wrapper {
    margin: 60px 0 30px 0;
}

.section-title-wrapper.text-center {
    text-align: center;
}

.section-subtitle {
    font-size: 0.8rem;
    color: var(--color-gold);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-weight: 600;
}

.section-title-wrapper h2 {
    font-size: 2.2rem;
    margin-top: 6px;
}

.section-desc {
    font-size: 1rem;
    color: var(--color-text-dim);
    margin-top: 8px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.feature-card {
    padding: 30px;
    border: 1px solid var(--border-glass);
}

.feature-card:hover {
    border-color: var(--border-gold-hover);
    transform: translateY(-4px);
    box-shadow: var(--glow-shadow);
}

.feature-icon {
    font-size: 2rem;
    margin-bottom: 20px;
    background: var(--color-gold-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.feature-card h3 {
    font-size: 1.25rem;
    margin-bottom: 12px;
}

.feature-card p {
    font-size: 0.88rem;
}

/* Switcher Tab Bars */
.rates-product-tabs, .calc-product-tabs {
    display: flex;
    padding: 6px;
    max-width: 580px;
    margin: 0 auto 30px auto;
    border: 1px solid var(--border-glass);
}

.rates-product-tabs .btn-toggle, .calc-product-tabs .btn-toggle {
    flex: 1;
    background: transparent;
    color: var(--color-text-dim);
    border: none;
    padding: 10px;
    font-weight: 600;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    font-family: 'Outfit', sans-serif;
    font-size: 0.92rem;
}

.rates-product-tabs .btn-toggle.active, .calc-product-tabs .btn-toggle.active {
    background: var(--color-gold-gradient);
    color: var(--bg-dark);
    box-shadow: var(--glow-shadow);
}

/* VIEW: INTEREST RATES */
.filter-wrapper {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 16px 24px;
    margin-bottom: 40px;
    flex-wrap: wrap;
}

.filter-label {
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--color-gold);
}

.filter-buttons {
    display: flex;
    gap: 10px;
}

.btn-filter {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--border-glass);
    color: var(--color-text-dim);
    padding: 8px 16px;
    font-size: 0.85rem;
}

.btn-filter:hover, .btn-filter.active {
    background: var(--color-gold);
    border-color: var(--color-gold);
    color: var(--bg-dark);
    box-shadow: 0 0 10px rgba(212, 175, 55, 0.2);
}

.search-box {
    margin-left: auto;
    position: relative;
    width: 280px;
}

.search-box i {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-dim);
}

.search-box input {
    width: 100%;
    padding: 10px 14px 10px 40px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--border-glass);
    border-radius: 10px;
    color: #ffffff;
    font-family: inherit;
    font-size: 0.88rem;
    outline: none;
    transition: var(--transition);
}

.search-box input:focus {
    border-color: var(--color-gold);
    background: rgba(255, 255, 255, 0.05);
}

.rates-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 24px;
}

.bank-rate-card {
    padding: 24px;
    display: flex;
    flex-direction: column;
    border: 1px solid var(--border-glass);
}

.bank-rate-card.highlight {
    border-color: var(--color-gold);
    box-shadow: var(--glow-shadow);
}

.bank-logo-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 20px;
}

.bank-title-group h3 {
    font-size: 1.2rem;
    margin-bottom: 2px;
}

.bank-category-tag {
    font-size: 0.7rem;
    padding: 2px 8px;
    border-radius: 4px;
    background: rgba(255, 255, 255, 0.05);
    color: var(--color-text-dim);
    text-transform: uppercase;
}

.bank-logo-header i {
    font-size: 1.8rem;
    color: var(--color-gold);
}

.rate-details-row {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 16px;
    margin-bottom: 20px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--border-glass);
}

.rate-item {
    display: flex;
    flex-direction: column;
}

.rate-item .label {
    font-size: 0.75rem;
    color: var(--color-text-dim);
    margin-bottom: 4px;
}

.rate-item .value {
    font-size: 1.15rem;
    font-family: 'Outfit', sans-serif;
    font-weight: 700;
}

.bank-action-btn {
    width: 100%;
    margin-top: auto;
}

/* VIEW: ELIGIBILITY CALCULATOR */
.calculator-container {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 40px;
    margin-top: 20px;
}

.calc-inputs {
    padding: 30px;
    border: 1px solid var(--border-glass);
}

.calc-outputs {
    padding: 40px;
    border: 1px solid var(--color-gold);
    box-shadow: var(--glow-shadow);
    display: flex;
    flex-direction: column;
}

.calc-type-switch {
    display: flex;
    background: rgba(255, 255, 255, 0.03);
    padding: 4px;
    border-radius: 10px;
    margin-bottom: 30px;
    border: 1px solid var(--border-glass);
}

.btn-toggle {
    flex: 1;
    background: none;
    border: none;
    color: var(--color-text-dim);
    padding: 8px 0;
    font-size: 0.88rem;
}

.btn-toggle.active {
    background: var(--color-gold);
    color: var(--bg-dark);
    box-shadow: 0 4px 10px rgba(212, 175, 55, 0.2);
}

.input-group {
    margin-bottom: 26px;
}

.input-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
}

.input-label {
    font-size: 0.9rem;
    font-weight: 500;
    color: #ffffff;
}

.input-value {
    font-size: 1rem;
    font-family: 'Outfit', sans-serif;
    font-weight: 700;
    color: var(--color-gold);
}

/* Range Slider Styling */
.slider {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 4px;
    background: rgba(255, 255, 255, 0.1);
    outline: none;
    transition: var(--transition);
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--color-gold-gradient);
    cursor: pointer;
    box-shadow: 0 0 10px rgba(212, 175, 55, 0.5);
    border: 2px solid #ffffff;
    transition: transform 0.1s;
}

.slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
}

.slider-bounds {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: var(--color-text-dim);
    margin-top: 6px;
}

.main-output {
    text-align: center;
    margin-bottom: 20px;
}

.output-title {
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--color-text-dim);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.main-output h2 {
    font-size: 3.2rem;
    margin: 10px 0;
}

.output-hint {
    font-size: 0.78rem;
    color: var(--color-text-dim);
}

.output-divider {
    height: 1px;
    background: var(--border-glass);
    margin: 20px 0;
}

.output-secondary-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 30px;
}

.sec-output-box {
    background: rgba(255, 255, 255, 0.02);
    border: 1px solid var(--border-glass);
    border-radius: 12px;
    padding: 16px;
    text-align: center;
}

.sec-label {
    font-size: 0.78rem;
    color: var(--color-text-dim);
    text-transform: uppercase;
    margin-bottom: 6px;
    display: block;
}

.sec-output-box h3 {
    font-size: 1.35rem;
}

.eligibility-meter-wrapper {
    margin-bottom: 35px;
}

.meter-bar {
    width: 100%;
    height: 8px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 4px;
    margin: 10px 0;
    overflow: hidden;
}

.meter-fill {
    height: 100%;
    width: 60%;
    background: var(--color-teal-gradient);
    border-radius: 4px;
    transition: width 0.5s ease-out;
}

.meter-labels {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
}

.status-badge {
    padding: 4px 10px;
    border-radius: 20px;
    font-weight: 600;
}

.status-good {
    background: rgba(0, 242, 254, 0.1);
    color: var(--color-teal);
}

.status-excellent {
    background: rgba(212, 175, 55, 0.1);
    color: var(--color-gold-light);
    border: 1px solid var(--border-gold);
}

/* VIEW: APPLY NOW MULTI-STEP WIZARD */
.apply-layout {
    display: grid;
    grid-template-columns: 1.3fr 0.7fr;
    gap: 40px;
    margin-top: 30px;
}

.form-card {
    padding: 40px;
    border: 1px solid var(--border-glass);
}

.flow-side-panel {
    padding: 40px;
    border: 1px solid var(--border-glass);
    height: fit-content;
}

/* Stepper progress indicator */
.stepper-wrapper {
    display: flex;
    justify-content: space-between;
    margin-bottom: 40px;
    position: relative;
}

.stepper-wrapper::before {
    content: '';
    position: absolute;
    top: 18px;
    left: 4%;
    right: 4%;
    height: 2px;
    background: rgba(255, 255, 255, 0.08);
    z-index: 1;
}

.step-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    position: relative;
    z-index: 2;
    width: 20%;
}

.step-num {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: var(--bg-dark);
    border: 2px solid rgba(255, 255, 255, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--color-text-dim);
    transition: var(--transition);
}

.step-label {
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--color-text-dim);
    margin-top: 8px;
}

.step-item.active .step-num {
    background: var(--color-gold-gradient);
    border-color: var(--color-gold);
    color: var(--bg-dark);
    box-shadow: var(--glow-shadow);
}

.step-item.active .step-label {
    color: #ffffff;
    font-weight: 600;
}

.step-item.complete .step-num {
    background: var(--color-teal-gradient);
    border-color: var(--color-teal);
    color: var(--bg-dark);
    box-shadow: var(--glow-teal-shadow);
}

/* Form Steps Layout Panels */
.form-step-panel {
    display: none;
}

.form-step-panel.active {
    display: block;
    animation: fadeIn 0.4s ease-out forwards;
}

.form-step-panel h3 {
    font-size: 1.5rem;
    margin-bottom: 6px;
}

.panel-subtitle {
    font-size: 0.88rem;
    color: var(--color-text-dim);
    margin-bottom: 30px;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
}

.form-group.full-width {
    grid-column: span 2;
}

.form-label {
    font-size: 0.88rem;
    font-weight: 500;
    color: #ffffff;
    margin-bottom: 8px;
}

.form-control {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--border-glass);
    padding: 12px 16px;
    border-radius: 10px;
    color: #ffffff;
    font-family: inherit;
    font-size: 0.92rem;
    outline: none;
    transition: var(--transition);
}

.form-control:focus {
    border-color: var(--color-gold);
    background: rgba(255, 255, 255, 0.05);
}

select.form-control {
    cursor: pointer;
}

select.form-control option {
    background-color: var(--bg-dark);
    color: #ffffff;
}

.form-input-tip {
    font-size: 0.75rem;
    color: var(--color-text-dim);
    margin-top: 4px;
}

.panel-actions {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 35px;
    padding-top: 20px;
    border-top: 1px solid var(--border-glass);
}

/* Radio Card Custom selection */
.radio-card-wrapper {
    display: flex;
    gap: 16px;
}

.radio-card {
    flex: 1;
    cursor: pointer;
}

.radio-card input[type="radio"] {
    display: none;
}

.radio-card-content {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--border-glass);
    border-radius: 12px;
    padding: 20px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
    transition: var(--transition);
}

.radio-card-content i {
    font-size: 1.8rem;
    color: var(--color-text-dim);
    transition: var(--transition);
}

.radio-card-content span {
    font-size: 0.88rem;
    font-weight: 600;
}

.radio-card input[type="radio"]:checked + .radio-card-content {
    border-color: var(--color-gold);
    background: rgba(212, 175, 55, 0.05);
}

.radio-card input[type="radio"]:checked + .radio-card-content i {
    color: var(--color-gold);
}

/* Custom Checkbox Design */
.checkbox-group {
    margin-top: 10px;
}

.checkbox-container {
    display: block;
    position: relative;
    padding-left: 30px;
    cursor: pointer;
    user-select: none;
}

.checkbox-container input {
    position: absolute;
    opacity: 0;
    cursor: pointer;
}

.checkmark {
    position: absolute;
    top: 2px;
    left: 0;
    height: 18px;
    width: 18px;
    background-color: rgba(255, 255, 255, 0.05);
    border: 1px solid var(--border-glass);
    border-radius: 4px;
    transition: var(--transition);
}

.checkbox-container:hover input ~ .checkmark {
    background-color: rgba(255, 255, 255, 0.1);
}

.checkbox-container input:checked ~ .checkmark {
    background-color: var(--color-gold);
    border-color: var(--color-gold);
}

.checkmark::after {
    content: "";
    position: absolute;
    display: none;
    left: 5px;
    top: 2px;
    width: 5px;
    height: 9px;
    border: solid #030712;
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
}

.checkbox-container input:checked ~ .checkmark::after {
    display: block;
}

.checkbox-label {
    font-size: 0.8rem;
}

/* Phone input container */
.phone-input-wrapper {
    display: flex;
    align-items: center;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--border-glass);
    border-radius: 10px;
    overflow: hidden;
}

.phone-prefix {
    padding: 0 16px;
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--color-text-dim);
    border-right: 1px solid var(--border-glass);
}

.phone-input-wrapper .form-control {
    border: none;
    background: none;
    flex: 1;
}

.phone-input-wrapper:focus-within {
    border-color: var(--color-gold);
}

/* OTP Code screen */
.verification-wrapper {
    text-align: center;
    padding: 20px 0;
}

.otp-icon {
    font-size: 2.5rem;
    color: var(--color-gold);
    margin-bottom: 16px;
}

.otp-alert {
    padding: 16px;
    margin: 20px auto;
    max-width: 320px;
    border-color: var(--color-teal);
    background: rgba(0, 242, 254, 0.05);
    position: relative;
    border-radius: 10px;
}

.otp-simulation-tag {
    position: absolute;
    top: -9px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--color-teal-gradient);
    color: var(--bg-dark);
    font-size: 0.65rem;
    font-weight: 700;
    padding: 2px 8px;
    border-radius: 4px;
}

.otp-input-container {
    display: flex;
    justify-content: center;
    gap: 12px;
    margin: 30px 0 20px 0;
}

.otp-box {
    width: 50px;
    height: 50px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid var(--border-glass);
    border-radius: 8px;
    text-align: center;
    font-size: 1.5rem;
    font-weight: 700;
    color: #ffffff;
    outline: none;
    transition: var(--transition);
}

.otp-box:focus {
    border-color: var(--color-gold);
    background: rgba(255, 255, 255, 0.08);
}

.validation-error {
    color: var(--color-error);
    font-size: 0.8rem;
    display: block;
    margin-top: 10px;
}

.otp-actions {
    margin-top: 10px;
}

/* Success Application Panel */
.success-screen {
    text-align: center;
    padding: 30px 0;
}

.success-icon-wrapper {
    position: relative;
    width: 80px;
    height: 80px;
    margin: 0 auto 30px auto;
}

.success-ring {
    width: 100%;
    height: 100%;
    border-radius: 50%;
    border: 2px solid var(--color-teal);
    opacity: 0.3;
}

.success-checkmark {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--color-teal-gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--bg-dark);
    font-size: 1.8rem;
    box-shadow: var(--glow-teal-shadow);
}

.success-screen h2 {
    font-size: 2rem;
    margin-bottom: 8px;
}

.success-ref {
    font-size: 0.95rem;
    color: var(--color-text-dim);
    margin-bottom: 40px;
}

.expert-assignment-card {
    display: flex;
    align-items: center;
    gap: 20px;
    max-width: 480px;
    margin: 0 auto 30px auto;
    padding: 20px 24px;
    border-color: var(--border-gold);
    text-align: left;
}

.expert-avatar {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: rgba(212, 175, 55, 0.1);
    border: 1px solid var(--border-gold);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-gold);
    font-size: 1.4rem;
}

.expert-details h4 {
    font-size: 1.15rem;
    margin-bottom: 2px;
}

.expert-info {
    font-size: 0.78rem;
}

.assigned-label {
    font-size: 0.65rem;
    font-weight: 700;
    color: var(--color-gold);
    letter-spacing: 0.05em;
    display: block;
    margin-bottom: 2px;
}

.success-info-text {
    font-size: 0.9rem;
    margin-bottom: 24px;
}

.success-ctas {
    display: flex;
    justify-content: center;
    gap: 16px;
}

/* Timeline flow sidebar */
.flow-side-panel h3 {
    font-size: 1.25rem;
    margin-bottom: 30px;
    color: var(--color-gold);
    letter-spacing: 0.02em;
}

.timeline {
    position: relative;
    padding-left: 20px;
}

.timeline::before {
    content: '';
    position: absolute;
    top: 5px;
    bottom: 5px;
    left: 4px;
    width: 2px;
    background: rgba(255, 255, 255, 0.05);
}

.timeline-item {
    margin-bottom: 30px;
    position: relative;
}

.timeline-item:last-child {
    margin-bottom: 0;
}

.timeline-marker {
    position: absolute;
    left: -20px;
    top: 5px;
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.15);
    border: 2px solid var(--bg-dark);
    transition: var(--transition);
}

.timeline-item.active .timeline-marker {
    background: var(--color-gold);
    box-shadow: 0 0 8px var(--color-gold);
}

.timeline-content h4 {
    font-size: 0.95rem;
    margin-bottom: 4px;
}

.timeline-content p {
    font-size: 0.78rem;
}

.timeline-item.active .timeline-content h4 {
    color: var(--color-gold);
}

/* FLOATING DOCK (Call, WhatsApp, Mail) */
.floating-dock {
    position: fixed;
    bottom: 30px;
    right: 30px;
    display: flex;
    flex-direction: column;
    gap: 14px;
    z-index: 999;
}

.dock-item {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    font-size: 1.5rem;
    box-shadow: 0 8px 24px rgba(0,0,0,0.4);
    transition: var(--transition);
}

.dock-item:hover {
    transform: scale(1.1) translateY(-4px);
}

.wa-item {
    background: #25d366;
}
.wa-item:hover {
    box-shadow: 0 0 25px rgba(37, 211, 102, 0.6);
}

.call-item {
    background: var(--color-gold-gradient);
    color: var(--bg-dark);
}
.call-item:hover {
    box-shadow: 0 0 25px rgba(212, 175, 55, 0.5);
}

.email-item {
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: var(--glass-blur);
    border: 1px solid var(--border-glass);
}
.email-item:hover {
    border-color: var(--color-gold);
    box-shadow: var(--glow-shadow);
}

/* MAIN FOOTER SECTION */
.app-footer {
    background: rgba(3, 7, 18, 0.9);
    border-top: 1px solid var(--border-glass);
    padding: 60px 0 20px 0;
    margin-top: 80px;
}

.footer-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
    display: grid;
    /* Grid layout updated for brand + 3 distinct loan columns + contacts list */
    grid-template-columns: 1.2fr 0.8fr 0.8fr 0.8fr 1fr;
    gap: 30px;
}

.footer-brand .logo-wrapper {
    margin-bottom: 20px;
}

.footer-about {
    font-size: 0.88rem;
    margin-bottom: 24px;
}

.footer-socials {
    display: flex;
    gap: 12px;
}

.footer-socials a {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--border-glass);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.95rem;
}

.footer-socials a:hover {
    border-color: var(--color-gold);
    color: var(--color-gold);
    background: rgba(212, 175, 55, 0.05);
}

.footer-links h4, .footer-contact h4 {
    font-size: 1.05rem;
    margin-bottom: 24px;
    letter-spacing: 0.02em;
    text-transform: uppercase;
    color: var(--color-gold);
}

.footer-links ul {
    list-style: none;
}

.footer-links li {
    margin-bottom: 12px;
}

.footer-links a {
    font-size: 0.88rem;
    color: var(--color-text-dim);
}

.footer-links a:hover {
    color: #ffffff;
    padding-left: 4px;
}

.footer-privacy-link {
    text-decoration: underline;
    font-weight: 500;
}

.footer-privacy-link:hover {
    color: var(--color-gold-light);
}

.footer-contact p {
    font-size: 0.88rem;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.footer-contact a:hover {
    color: #ffffff;
}

.footer-bottom {
    max-width: 1280px;
    margin: 40px auto 0 auto;
    padding: 30px 24px 0 24px;
    border-top: 1px solid var(--border-glass);
    text-align: center;
    font-size: 0.8rem;
    color: var(--color-text-dim);
}

.footer-bottom p {
    margin-bottom: 10px;
}

.disclaimer {
    font-size: 0.72rem;
}

/* Animations */
@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes animate-ring {
    0% {
        transform: scale(0.9);
        opacity: 1;
    }
    100% {
        transform: scale(1.3);
        opacity: 0;
    }
}

.animate-ring {
    animation: animate-ring 1.8s infinite ease-out;
}

/* Responsive Media Queries */
@media (max-width: 1100px) {
    .footer-container {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }
    .footer-brand {
        grid-column: span 2;
    }
}

@media (max-width: 1024px) {
    .hero-section {
        grid-template-columns: 1fr;
        gap: 40px;
        text-align: center;
    }
    .hero-desc {
        margin-left: auto;
        margin-right: auto;
    }
    .hero-product-grid {
        margin-left: auto;
        margin-right: auto;
    }
    .hero-actions {
        justify-content: center;
    }
    .hero-stats {
        max-width: 600px;
        margin: 0 auto;
    }
    .hero-visual {
        max-width: 500px;
        margin: 0 auto;
    }
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .calculator-container {
        grid-template-columns: 1fr;
    }
    .apply-layout {
        grid-template-columns: 1fr;
    }
    .flow-side-panel {
        display: none;
    }
}

@media (max-width: 768px) {
    .header-container {
        padding: 16px;
    }
    .menu-toggle {
        display: flex;
    }
    .nav-menu {
        position: fixed;
        top: 73px;
        left: 0;
        right: 0;
        background: var(--bg-dark);
        border-bottom: 1px solid var(--border-glass);
        flex-direction: column;
        padding: 30px 20px;
        gap: 20px;
        transform: translateY(-150%);
        opacity: 0;
        transition: var(--transition);
        pointer-events: none;
    }
    .nav-menu.mobile-active {
        transform: translateY(0);
        opacity: 1;
        pointer-events: auto;
    }
    .nav-link.active::after {
        display: none;
    }
    .nav-cta {
        width: 100%;
    }
    .hero-content h1 {
        font-size: 2.5rem;
    }
    .hero-product-grid {
        grid-template-columns: 1fr;
        max-width: 320px;
    }
    .features-grid {
        grid-template-columns: 1fr;
    }
    .filter-wrapper {
        flex-direction: column;
        align-items: stretch;
    }
    .search-box {
        width: 100%;
        margin-left: 0;
    }
    .form-grid {
        grid-template-columns: 1fr;
    }
    .form-group.full-width {
        grid-column: span 1;
    }
    .footer-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .footer-brand {
        grid-column: span 1;
    }
    .success-ctas {
        flex-direction: column;
        align-items: stretch;
    }
    .floating-dock {
        bottom: 20px;
        right: 20px;
    }
}