/* CSS Reset & Base Styles */
*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

/* CSS Variables */
:root {
    /* Blue accent theme */
    --clr-accent: #007BFF;
    --clr-accent-10: rgba(0, 123, 255, 0.1);
    --clr-accent-20: rgba(0, 123, 255, 0.2);
    --clr-accent-40: rgba(0, 123, 255, 0.4);
    --clr-accent-70: rgba(0, 123, 255, 0.7);
    --clr-accent-contrast: #ffffff;
    --clr-accent-hover: #0056b3;
    --clr-accent-focus: #0056b3;

    /* Neutral palette */
    --clr-bg: #ffffff;
    --clr-text: #111213;
    --clr-muted: #6B7280;
    --clr-border: #E5E7EB;
    --clr-border-strong: #D1D5DB;
    --clr-track: #F1F5F9;

    /* Additional colors */
    --clr-success: #10B981;
    --clr-danger: #EF4444;
    --clr-warning: #F59E0B;

    /* Typography */
    --font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Roboto', 'Oxygen', 'Ubuntu', 'Inter', 'Montserrat', sans-serif;
    --font-size-body: 16px;
    --font-size-small: 14px;
    --font-size-title: 32px;
    --font-size-subtitle: 18px;
    --line-height-base: 1.5;
    --line-height-tight: 1.25;

    /* Spacing */
    --spacing-xs: 4px;
    --spacing-sm: 8px;
    --spacing-md: 16px;
    --spacing-lg: 24px;
    --spacing-xl: 32px;
    --spacing-xxl: 48px;

    /* Border radius */
    --radius: 6px;
    --radius-sm: 4px;
    --radius-lg: 12px;

    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);

    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 200ms ease;
    --transition-slow: 250ms ease;
}

/* Base Typography */
html {
    font-size: 16px;
}

body {
    font-family: var(--font-family);
    font-size: var(--font-size-body);
    line-height: var(--line-height-base);
    color: var(--clr-text);
    background-color: var(--clr-bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

/* Utility Classes */
.visually-hidden {
    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;
    white-space: nowrap !important;
    border: 0 !important;
}

.center {
    text-align: center;
}

/* Header */
.header {
    position: sticky;
    top: 0;
    background-color: var(--clr-bg);
    border-bottom: 1px solid var(--clr-border);
    z-index: 100;
    padding: var(--spacing-md);
}

.header__container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.header__logo {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    font-weight: 700;
    font-size: 20px;
    color: var(--clr-accent);
}

.header__logo svg {
    color: var(--clr-accent);
}

/* Logo image styling - Desktop 180x60, Mobile stays same */
.header__logo-img {
    width: 180px;
    height: 60px;
    object-fit: contain;
    border-radius: 4px;
    flex-shrink: 0;
    transition: opacity var(--transition-fast);
}

.header__logo-img:not([src]) {
    opacity: 0;
}

.header__logo-img[src] {
    opacity: 1;
}

.header__secure {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    font-size: var(--font-size-small);
    color: var(--clr-muted);
}

.header__secure svg {
    color: var(--clr-accent);
}

/* Progress Bar - Updated for 10 steps */
.progress {
    max-width: 640px;
    width: 70%;
    margin: var(--spacing-lg) auto 0;
    height: 8px;
    background-color: var(--clr-track);
    border-radius: 4px;
    overflow: hidden;
}

.progress__bar {
    height: 100%;
    background-color: var(--clr-accent);
    border-radius: 4px;
    transition: width var(--transition-base);
    width: 10%; /* Updated to 10% (1/10 steps) instead of 11.11% (1/9 steps) */
}

/* Main Canvas - Above the fold optimized */
.canvas {
    flex: 1;
    max-width: 640px;
    margin: 0 auto;
    padding: var(--spacing-lg) var(--spacing-md);
    width: 100%;
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
    min-height: auto; /* Remove forced height */
    padding-top: 30px; /* Reduced from 60px */
    padding-bottom: var(--spacing-md); /* Much smaller bottom padding */
}

/* Steps */
.step {
    display: block;
    animation: fadeIn var(--transition-base);
    margin: 0;
    padding: 0;
}

.step--hidden {
    display: none;
}

.step__content {
    text-align: center;
    max-width: 480px;
    margin: 0 auto var(--spacing-lg); /* Add bottom margin to connect with footer */
    position: relative;
}

.step__title {
    font-size: var(--font-size-title);
    font-weight: 700;
    line-height: var(--line-height-tight);
    margin-bottom: var(--spacing-md);
    color: var(--clr-text);
}

.step__title.compact {
    font-size: 28px;
    margin-bottom: var(--spacing-sm);
}

.step__subtitle {
    font-size: var(--font-size-subtitle);
    color: var(--clr-muted);
    margin-bottom: var(--spacing-xl);
    line-height: var(--line-height-base);
    min-height: 27px;
}

/* NEW: Clean Slider Container */
.slider-container {
    padding: var(--spacing-xl) 0;
    margin-bottom: var(--spacing-lg);
}

.slider-display {
    text-align: center;
    margin-bottom: var(--spacing-xl);
}

.slider-amount {
    font-size: 48px;
    font-weight: 700;
    color: var(--clr-accent);
    letter-spacing: -1px;
}

.slider-wrapper {
    position: relative;
    margin-bottom: var(--spacing-lg);
    padding: 0 var(--spacing-sm);
}

/* Fixed Professional Slider Styles */
.loan-slider, .income-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: #E5E7EB;
    outline: none;
    cursor: pointer;
    position: relative;
}

.loan-slider::-webkit-slider-thumb, .income-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--clr-accent);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 6px rgba(0, 123, 255, 0.3);
    transition: all 0.2s ease;
}

.loan-slider::-webkit-slider-thumb:hover, .income-slider::-webkit-slider-thumb:hover {
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(0, 123, 255, 0.4);
}

.loan-slider::-moz-range-thumb, .income-slider::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--clr-accent);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 6px rgba(0, 123, 255, 0.3);
}

.slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: 14px;
    color: var(--clr-muted);
    margin-top: var(--spacing-md);
    font-weight: 500;
}

/* NEW: Quick Chips */
.quick-chips {
    display: flex;
    gap: var(--spacing-sm);
    justify-content: center;
    flex-wrap: wrap;
    margin-top: var(--spacing-lg);
}

.chip {
    background: var(--clr-bg);
    border: 2px solid var(--clr-border);
    border-radius: 20px;
    padding: var(--spacing-sm) var(--spacing-md);
    font-size: var(--font-size-small);
    font-weight: 600;
    color: var(--clr-muted);
    cursor: pointer;
    transition: all var(--transition-fast);
    white-space: nowrap;
}

.chip:hover {
    border-color: var(--clr-accent);
    background-color: var(--clr-accent-10);
    color: var(--clr-accent);
    transform: translateY(-1px);
}

.chip.active {
    background-color: var(--clr-accent);
    border-color: var(--clr-accent);
    color: white;
    box-shadow: var(--shadow-md);
}

/* NEW: Clean Purpose Cards - VERTICAL LAYOUT */
.purpose-buttons {
    display: grid;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.purpose-btn {
    background: white;
    border: 2px solid #E5E7EB;
    border-radius: 12px;
    padding: var(--spacing-lg);
    cursor: pointer;
    transition: all 0.2s ease;
    text-align: left;
    min-height: 80px;
    display: flex;
    align-items: center;
    position: relative;
    font-family: inherit;
}

.purpose-btn:hover {
    border-color: var(--clr-accent);
    background-color: #F8FAFF;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0, 123, 255, 0.1);
}

.purpose-btn.selected {
    background: linear-gradient(135deg, var(--clr-accent) 0%, #0056b3 100%);
    border-color: var(--clr-accent);
    color: white;
    box-shadow: 0 4px 12px rgba(0, 123, 255, 0.2);
}

.purpose-btn span {
    font-size: 16px;
    font-weight: 600;
    z-index: 2;
    width: 100%;
}

.purpose-btn.selected span {
    color: white;
}

.purpose-btn::after {
    content: '';
    position: absolute;
    right: var(--spacing-lg);
    top: 50%;
    transform: translateY(-50%);
    width: 20px;
    height: 20px;
    border-radius: 50%;
    border: 2px solid #E5E7EB;
    background: white;
    transition: all 0.2s ease;
}

.purpose-btn.selected::after {
    border-color: white;
    background: white url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='10' viewBox='0 0 12 10'%3E%3Cpath d='M1 5l3.5 3.5L11 1' stroke='%23007BFF' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center no-repeat;
}

/* NEW: Credit Rating Buttons - Horizontal Layout */
.credit-buttons {
    display: grid;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-lg);
}

.credit-btn {
    background: white;
    border: 2px solid #E5E7EB;
    border-radius: 12px;
    padding: var(--spacing-md);
    cursor: pointer;
    transition: all 0.2s ease;
    text-align: center;
    min-height: 90px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: var(--spacing-xs);
    font-family: inherit;
    position: relative;
}

.credit-btn:hover {
    border-color: var(--clr-accent);
    background-color: #F8FAFF;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0, 123, 255, 0.1);
}

.credit-btn.selected {
    background: linear-gradient(135deg, var(--clr-accent) 0%, #0056b3 100%);
    border-color: var(--clr-accent);
    box-shadow: 0 4px 12px rgba(0, 123, 255, 0.2);
}

.credit-score {
    font-size: 18px;
    font-weight: 700;
    color: var(--clr-text);
    transition: color 0.2s ease;
}

.credit-label {
    font-size: 14px;
    font-weight: 500;
    color: var(--clr-muted);
    transition: color 0.2s ease;
}

.credit-btn.selected .credit-score,
.credit-btn.selected .credit-label {
    color: white;
}

.credit-btn::after {
    content: '';
    position: absolute;
    top: var(--spacing-sm);
    right: var(--spacing-sm);
    width: 16px;
    height: 16px;
    border-radius: 50%;
    border: 2px solid #E5E7EB;
    background: white;
    transition: all 0.2s ease;
}

.credit-btn.selected::after {
    border-color: white;
    background: white url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='8' viewBox='0 0 10 8'%3E%3Cpath d='M1 4l2.5 2.5L9 1' stroke='%23007BFF' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center no-repeat;
}

/* Options Grid (Yes/No questions) - Horizontal 2-column default */
.options-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.option {
    background: white;
    border: 2px solid var(--clr-border);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    cursor: pointer;
    transition: all var(--transition-fast);
    position: relative;
    min-height: 80px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.option input[type="radio"] {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.option__content {
    font-size: 16px;
    font-weight: 600;
    color: var(--clr-text);
    text-align: center;
    transition: color var(--transition-fast);
}

.option:hover {
    border-color: var(--clr-accent);
    background-color: var(--clr-accent-10);
    transform: translateY(-1px);
}

.option input[type="radio"]:checked + .option__content {
    color: white;
}

.option input[type="radio"]:checked ~ * {
    color: white;
}

.option:has(input[type="radio"]:checked) {
    background: linear-gradient(135deg, var(--clr-accent) 0%, var(--clr-accent-hover) 100%);
    border-color: var(--clr-accent);
    box-shadow: var(--shadow-md);
}

/* Form Inputs */
.input-group {
    margin-bottom: var(--spacing-lg);
    text-align: left;
}

.input-group label {
    display: block;
    font-size: var(--font-size-small);
    font-weight: 600;
    color: var(--clr-text);
    margin-bottom: var(--spacing-xs);
}

.input,
.select {
    width: 100%;
    padding: 14px var(--spacing-md);
    font-size: var(--font-size-body);
    font-family: var(--font-family);
    color: var(--clr-text);
    background-color: var(--clr-bg);
    border: 2px solid var(--clr-border);
    border-radius: var(--radius);
    outline: none;
    transition: all var(--transition-fast);
}

.input::placeholder {
    color: var(--clr-muted);
}

.input:hover,
.select:hover {
    border-color: var(--clr-border-strong);
}

.input:focus,
.select:focus {
    border-color: var(--clr-accent);
    box-shadow: 0 0 0 3px var(--clr-accent-10);
}

.input.error,
.select.error {
    border-color: var(--clr-danger);
}

.input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.input-icon {
    position: absolute;
    left: var(--spacing-md);
    color: var(--clr-muted);
    pointer-events: none;
}

.input-wrapper .input {
    padding-left: calc(var(--spacing-md) * 2 + 16px);
}

.helper {
    font-size: 13px;
    color: var(--clr-muted);
    margin-top: var(--spacing-xs);
}

.error-msg {
    font-size: 13px;
    color: var(--clr-danger);
    margin-top: var(--spacing-xs);
    display: none;
}

.error-msg:not(:empty) {
    display: block;
}

/* Address Fields */
.address-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-md);
}

.manual-address-toggle {
    background: none;
    border: none;
    color: var(--clr-accent);
    font-size: var(--font-size-small);
    font-weight: 600;
    cursor: pointer;
    margin-top: var(--spacing-sm);
    text-decoration: underline;
    padding: 0;
}

.manual-address-toggle:hover {
    color: var(--clr-accent-hover);
}

.manual-address-fields {
    margin-top: var(--spacing-md);
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-xs);
    padding: 14px var(--spacing-xl);
    font-size: var(--font-size-body);
    font-weight: 600;
    font-family: var(--font-family);
    text-align: center;
    text-decoration: none;
    border: 2px solid transparent;
    border-radius: var(--radius);
    cursor: pointer;
    transition: all var(--transition-fast);
    outline: none;
    white-space: nowrap;
    min-height: 48px;
}

.btn--primary {
    background: linear-gradient(135deg, var(--clr-accent) 0%, var(--clr-accent-hover) 100%);
    color: var(--clr-accent-contrast);
    box-shadow: var(--shadow-md);
}

.btn--primary:hover {
    background: linear-gradient(135deg, var(--clr-accent-hover) 0%, #003d82 100%);
    box-shadow: var(--shadow-lg);
    transform: translateY(-1px);
}

.btn--primary:active {
    transform: translateY(0);
    box-shadow: var(--shadow-sm);
}

.btn--primary:disabled {
    background: var(--clr-border);
    color: var(--clr-muted);
    cursor: not-allowed;
    box-shadow: none;
    transform: none;
}

.btn--secondary {
    background: var(--clr-bg);
    color: var(--clr-text);
    border-color: var(--clr-border-strong);
}

.btn--secondary:hover {
    background: var(--clr-track);
    border-color: var(--clr-text);
}

.btn--secondary:active {
    background: var(--clr-border);
}

.button-group {
    display: flex;
    gap: var(--spacing-md);
    justify-content: center;
    margin-top: var(--spacing-xl);
}

.button-group .btn {
    flex: 1;
    max-width: 200px;
}

.button-group .btn--primary {
    flex: 2;
    max-width: 300px;
}

/* Security & Trust Elements */
.security-callout {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    font-size: var(--font-size-small);
    color: var(--clr-muted);
    margin-top: var(--spacing-md);
    justify-content: center;
}

.security-callout svg {
    color: var(--clr-accent);
    flex-shrink: 0;
}

.card--security {
    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
    border: 1px solid #bae6fd;
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    margin: var(--spacing-lg) 0;
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
    text-align: left;
}

.card--security svg {
    color: var(--clr-accent);
    flex-shrink: 0;
    margin-top: 2px;
}

.card--security strong {
    display: block;
    font-size: var(--font-size-body);
    color: var(--clr-text);
    margin-bottom: var(--spacing-xs);
}

.card--security div:last-child {
    font-size: var(--font-size-small);
    color: var(--clr-muted);
    line-height: var(--line-height-base);
}

/* Legal Text */
.legal-text {
    font-size: 11px;
    line-height: 1.4;
    color: var(--clr-muted);
    text-align: left;
    margin-top: var(--spacing-lg);
    padding: var(--spacing-md);
    background: var(--clr-track);
    border-radius: var(--radius);
    max-height: 200px;
    overflow-y: auto;
}

/* Success State */
.success-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto var(--spacing-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--clr-success) 0%, #059669 100%);
    border-radius: 50%;
    color: white;
    box-shadow: var(--shadow-lg);
}

.success-icon svg {
    width: 48px;
    height: 48px;
}

/* Step Callouts */
.step-callouts {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
    margin-top: var(--spacing-lg);
}

.callout {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-md);
    padding: var(--spacing-lg);
    background: var(--clr-track);
    border-radius: var(--radius-lg);
    text-align: left;
}

.callout svg {
    color: var(--clr-accent);
    flex-shrink: 0;
    margin-top: 2px;
}

.callout strong {
    display: block;
    font-size: var(--font-size-body);
    margin-bottom: var(--spacing-xs);
}

.callout p {
    font-size: var(--font-size-small);
    color: var(--clr-muted);
}

/* How It Works Section */
.how-it-works {
    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xxl) var(--spacing-xl);
    margin: var(--spacing-xxl) 0;
}

.how-it-works__title {
    font-size: 32px;
    font-weight: 700;
    text-align: center;
    margin-bottom: var(--spacing-xl);
    color: var(--clr-text);
}

.how-it-works__steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-xxl);
    max-width: 900px;
    margin: 0 auto;
}

.how-it-works__step {
    text-align: left;
    position: relative;
}

.step-number {
    font-size: 120px;
    font-weight: 700;
    color: var(--clr-accent-20);
    line-height: 0.8;
    position: absolute;
    top: -20px;
    left: 0;
}

.how-it-works__step h3 {
    font-size: 20px;
    font-weight: 700;
    margin-bottom: var(--spacing-sm);
    color: var(--clr-text);
    padding-top: 80px;
}

.how-it-works__step p {
    font-size: var(--font-size-body);
    color: var(--clr-muted);
    line-height: var(--line-height-base);
}

/* Explore Freely Section */
.explore-freely {
    text-align: center;
    padding: var(--spacing-xxl) var(--spacing-lg);
    background: white;
    border-radius: var(--radius-lg);
    margin: var(--spacing-xl) 0;
}

.explore-freely h3 {
    font-size: 28px;
    font-weight: 700;
    margin-bottom: var(--spacing-md);
    color: var(--clr-text);
}

.explore-freely p {
    font-size: 18px;
    color: var(--clr-muted);
    max-width: 600px;
    margin: 0 auto;
}

/* Loan Details section */
.loan-details {
    text-align: center;
    margin-top: var(--spacing-xxl);
}

.loan-details h3 {
    font-size: 32px;
    font-weight: 700;
    color: var(--clr-text);
    margin-bottom: var(--spacing-xl);
}

.loan-details__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xxl);
    max-width: 600px;
    margin: 0 auto var(--spacing-xl);
}

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

.loan-details__label {
    font-size: 14px;
    font-weight: 600;
    color: var(--clr-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: var(--spacing-sm);
}

.loan-details__value {
    font-size: 32px;
    font-weight: 700;
    color: var(--clr-text);
}

.loan-details__disclaimer {
    background-color: #F8F9FA;
    border-radius: var(--radius);
    padding: var(--spacing-xl);
    margin-top: var(--spacing-xl);
    text-align: left;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}

.loan-details__disclaimer p {
    font-size: 14px;
    color: var(--clr-muted);
    line-height: 1.6;
    margin-bottom: var(--spacing-md);
}

.loan-details__disclaimer p:last-child {
    margin-bottom: 0;
}

/* =========================================================================
   LENDER OFFER CARD STYLES (NEW - For $1k-$10k Loan Amounts)
   ========================================================================= */

/* Lender Offer Card Container */
.lender-offer-card {
    background: #ffffff;
    border: 2px solid var(--clr-accent);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    margin-top: var(--spacing-lg);
    box-shadow: var(--shadow-lg);
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* Logo Section */
.lender-logo-section {
    text-align: center;
    margin-bottom: var(--spacing-lg);
    padding-bottom: var(--spacing-lg);
    border-bottom: 1px solid var(--clr-border);
}

.lender-logo-img {
    max-width: 180px;
    height: auto;
    display: inline-block;
}

/* Content Section */
.lender-content-section {
    margin-bottom: var(--spacing-xl);
}

.lender-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--clr-text);
    margin-bottom: var(--spacing-md);
    text-align: center;
}

.lender-benefits {
    list-style: none;
    padding: 0;
    margin: 0;
}

.lender-benefits li {
    font-size: 15px;
    color: var(--clr-text);
    line-height: 1.8;
    margin-bottom: var(--spacing-sm);
    padding-left: var(--spacing-lg);
    position: relative;
}

.lender-benefits li:before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--clr-success);
    font-weight: bold;
    font-size: 16px;
}

/* CTA Section */
.lender-cta-section {
    text-align: center;
    padding-top: var(--spacing-lg);
    border-top: 1px solid var(--clr-border);
}

.lender-cta-button {
    display: inline-block;
    background-color: var(--clr-accent);
    color: white;
    font-size: 18px;
    font-weight: 700;
    padding: 16px 48px;
    border-radius: var(--radius-lg);
    text-decoration: none;
    transition: all var(--transition-fast);
    box-shadow: var(--shadow-md);
    border: none;
}

.lender-cta-button:hover {
    background-color: var(--clr-accent-hover);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

/* Mobile Adjustments for Lender Card */
@media (max-width: 768px) {
    .lender-offer-card {
        padding: var(--spacing-lg);
    }

    .lender-logo-img {
        max-width: 140px;
    }

    .lender-title {
        font-size: 18px;
    }

    .lender-benefits li {
        font-size: 14px;
    }

    .lender-cta-button {
        font-size: 16px;
        padding: 14px 36px;
        width: 100%;
        max-width: 280px;
    }
}

/* Disclaimer Footer */
.disclaimer-footer {
    background: var(--clr-track);
    padding: var(--spacing-xxl) var(--spacing-lg);
    margin-top: auto;
    border-top: 1px solid var(--clr-border);
}

.disclaimer-footer__container {
    max-width: 1200px;
    margin: 0 auto;
}

.disclaimer-footer h4 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: var(--spacing-sm);
    color: var(--clr-text);
}

.disclaimer-footer p {
    font-size: 12px;
    color: var(--clr-muted);
    line-height: 1.6;
    margin-bottom: var(--spacing-lg);
}

.disclaimer-links {
    display: flex;
    gap: var(--spacing-lg);
    flex-wrap: wrap;
    justify-content: center;
    margin-top: var(--spacing-xl);
}

.disclaimer-links a {
    font-size: 12px;
    color: var(--clr-accent);
    text-decoration: none;
    font-weight: 600;
}

.disclaimer-links a:hover {
    text-decoration: underline;
}

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

/* Mobile (up to 420px) - FORCE DESKTOP STYLING */
@media (max-width: 420px) {
    /* Logo - smaller to prevent blurriness */
    .header__logo-img {
        width: 150px !important;
        height: 50px !important;
    }

    /* Title sizes - slightly smaller for better fit */
    .step__title {
        font-size: 26px !important;
        font-weight: 700 !important;
        line-height: 1.2 !important;
    }

    .step__subtitle {
        font-size: 15px !important;
    }

    /* CRITICAL: Slider amount - scale down a bit */
    .slider-amount {
        font-size: 40px !important;
        font-weight: 700 !important;
        color: #007BFF !important;
        letter-spacing: -1px !important;
    }

    /* Slider container - tighter spacing */
    .slider-container {
        padding: 24px 0 !important;
        margin-bottom: 16px !important;
    }

    .slider-display {
        margin-bottom: 24px !important;
    }

    /* Chips - good size but better spacing */
    .quick-chips {
        gap: 6px !important;
        margin-top: 20px !important;
    }

    .chip {
        padding: 7px 14px !important;
        font-size: 13px !important;
        font-weight: 600 !important;
        border: 2px solid #E5E7EB !important;
        background: white !important;
        color: #6B7280 !important;
    }

    .chip:hover {
        border-color: #007BFF !important;
        background-color: rgba(0, 123, 255, 0.1) !important;
        color: #007BFF !important;
    }

    .chip.active {
        background-color: #007BFF !important;
        border-color: #007BFF !important;
        color: white !important;
    }

    /* Slider itself */
    .loan-slider, .income-slider {
        height: 6px !important;
    }

    .loan-slider::-webkit-slider-thumb, .income-slider::-webkit-slider-thumb {
        width: 20px !important;
        height: 20px !important;
        background: #007BFF !important;
    }

    /* Primary buttons - slightly smaller */
    .btn {
        padding: 12px 28px !important;
        font-size: 15px !important;
        min-height: 46px !important;
        font-weight: 600 !important;
    }

    .btn--primary {
        background: linear-gradient(135deg, #007BFF 0%, #0056b3 100%) !important;
        color: white !important;
        box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1) !important;
    }

    .button-group {
        flex-direction: row !important;
        gap: 8px !important;
        margin-top: 24px !important;
    }

    .button-group .btn {
        flex: 1 !important;
    }

    /* Input fields */
    .input,
    .select {
        padding: 12px 14px !important;
        font-size: 15px !important;
    }

    /* Options grid */
    .options-grid {
        grid-template-columns: repeat(2, 1fr) !important;
        gap: 8px !important;
    }

    .option {
        padding: 14px !important;
        min-height: 70px !important;
    }

    .option__content {
        font-size: 14px !important;
        font-weight: 600 !important;
    }

    /* Purpose buttons */
    .purpose-btn {
        min-height: 70px !important;
        padding: 14px !important;
        border: 2px solid #E5E7EB !important;
    }

    .purpose-btn span {
        font-size: 15px !important;
        font-weight: 600 !important;
    }

    .purpose-btn.selected {
        background: linear-gradient(135deg, #007BFF 0%, #0056b3 100%) !important;
        border-color: #007BFF !important;
    }

    .purpose-btn.selected span {
        color: white !important;
    }

    /* Credit buttons */
    .credit-btn {
        min-height: 80px !important;
        padding: 10px !important;
    }

    .credit-score {
        font-size: 16px !important;
        font-weight: 700 !important;
    }

    .credit-label {
        font-size: 12px !important;
        font-weight: 500 !important;
    }

    .credit-btn.selected {
        background: linear-gradient(135deg, #007BFF 0%, #0056b3 100%) !important;
        border-color: #007BFF !important;
    }

    .credit-btn.selected .credit-score,
    .credit-btn.selected .credit-label {
        color: white !important;
    }

    /* Address row */
    .address-row {
        grid-template-columns: 1fr 1fr !important;
        gap: 8px !important;
    }

    /* Canvas spacing */
    .canvas {
        padding: 20px 16px !important;
        padding-top: 20px !important;
    }

    /* Security callouts - smaller */
    .security-callout {
        font-size: 13px !important;
        margin-top: 12px !important;
    }

    .card--security {
        padding: 14px !important;
        margin: 16px 0 !important;
    }

    /* Lender offer cards */
    .lender-offer-card {
        padding: 20px !important;
    }

    .lender-logo-img {
        max-width: 140px !important;
    }

    .lender-title {
        font-size: 17px !important;
        font-weight: 700 !important;
    }

    .lender-benefits li {
        font-size: 14px !important;
    }

    .lender-cta-button {
        font-size: 16px !important;
        font-weight: 700 !important;
        padding: 13px 36px !important;
        background-color: #007BFF !important;
    }

    /* Legal text */
    .legal-text {
        font-size: 9px !important;
        line-height: 1.3 !important;
        margin-top: 16px !important;
    }

    /* How it works */
    .how-it-works {
        padding: 28px 16px !important;
    }

    .how-it-works__title {
        font-size: 24px !important;
    }

    .how-it-works__steps {
        grid-template-columns: 1fr !important;
    }

    .step-number {
        font-size: 75px !important;
    }

    .how-it-works__step h3 {
        font-size: 17px !important;
        padding-top: 55px !important;
    }

    .how-it-works__step p {
        font-size: 14px !important;
    }

    /* Loan details */
    .loan-details__grid {
        grid-template-columns: 1fr 1fr !important;
    }

    .loan-details__value {
        font-size: 26px !important;
    }

    /* Disclaimer */
    .disclaimer-footer {
        padding: 28px 16px !important;
    }

    .disclaimer-footer h4 {
        font-size: 13px !important;
    }

    .disclaimer-footer p {
        font-size: 10px !important;
    }
}

/* Small tablet (421-768px) */
@media (min-width: 421px) and (max-width: 768px) {
    .canvas {
        padding: 0 var(--spacing-lg);
        padding-top: 25px;
    }

    .step__title {
        font-size: 28px;
    }

    .header__logo-img {
        width: 180px;
        height: 60px;
    }

    .how-it-works__steps {
        grid-template-columns: 1fr;
        gap: var(--spacing-xl);
        text-align: center;
    }

    .step-number {
        font-size: 120px;
        position: relative;
        top: 0;
    }

    .legal-text {
        font-size: 10px;
        max-height: none;
        overflow-y: visible;
    }

    .offer-header h1 {
        font-size: 24px;
        line-height: 1.3;
    }

    .disclaimer-footer {
        text-align: left;
    }

    .disclaimer-footer p {
        font-size: 10px;
        text-align: left;
    }

    .disclaimer-links {
        gap: var(--spacing-md);
        justify-content: center;
    }

    .disclaimer-links a {
        font-size: 11px;
    }
}

/* Large tablet (769-1200px) */
}

/* Large tablet (769-1200px) */
@media (min-width: 769px) and (max-width: 1200px) {
    .canvas {
        padding: var(--spacing-xxl) var(--spacing-xl);
        padding-top: 40px;
    }

    .options-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-lg);
    }
}

/* Desktop (>1200px) */
@media (min-width: 1201px) {
    .canvas {
        max-width: 800px;
        padding: var(--spacing-xxl);
        padding-top: 40px;
    }

    .step__content {
        max-width: 560px;
    }

    .options-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-lg);
    }
}

/* Specialist Popup Modal */
.specialist-popup-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-color: rgba(0, 0, 0, 0.6);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    padding: var(--spacing-md);
    animation: fadeIn 0.3s ease;
}

.specialist-popup {
    background: white;
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl) var(--spacing-lg);
    max-width: 420px;
    width: 100%;
    text-align: center;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    animation: slideUp 0.3s ease;
}

@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.specialist-popup__icon {
    width: 80px;
    height: 80px;
    background: var(--clr-accent-10);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--spacing-lg);
}

.specialist-popup__icon svg {
    color: var(--clr-accent);
}

.specialist-popup__title {
    font-size: 24px;
    font-weight: 700;
    color: var(--clr-text);
    margin-bottom: var(--spacing-sm);
}

.specialist-popup__subtitle {
    font-size: 18px;
    color: var(--clr-text);
    margin-bottom: var(--spacing-md);
    font-weight: 500;
}

.specialist-popup__note {
    font-size: 14px;
    color: var(--clr-muted);
    margin-bottom: var(--spacing-xl);
    line-height: 1.5;
}

.specialist-popup__buttons {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.specialist-popup__btn {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: var(--spacing-md) var(--spacing-lg) !important;
    font-size: 16px !important;
    font-weight: 600 !important;
}

.specialist-popup__btn.btn--primary {
    background: linear-gradient(135deg, #10B981 0%, #059669 100%) !important;
    border-color: #10B981 !important;
}

.specialist-popup__btn.btn--primary:hover {
    background: linear-gradient(135deg, #059669 0%, #047857 100%) !important;
}

.specialist-popup__btn.btn--secondary {
    background: white !important;
    border: 2px solid var(--clr-border) !important;
    color: var(--clr-muted) !important;
}

.specialist-popup__btn.btn--secondary:hover {
    background: var(--clr-track) !important;
    border-color: var(--clr-border-strong) !important;
    color: var(--clr-text) !important;
}

/* Mobile adjustments for popup */
@media (max-width: 420px) {
    .specialist-popup {
        padding: var(--spacing-lg) var(--spacing-md);
        margin: var(--spacing-md);
    }

    .specialist-popup__title {
        font-size: 20px;
    }

    .specialist-popup__subtitle {
        font-size: 16px;
    }

    .specialist-popup__icon {
        width: 64px;
        height: 64px;
    }

    .specialist-popup__icon svg {
        width: 32px;
        height: 32px;
    }
}

/* Focus Management */
.js-focus-visible :focus:not(.focus-visible) {
    outline: none;
}

.focus-visible {
    outline: 2px solid var(--clr-accent);
    outline-offset: 2px;
}

/* Print Styles */
@media print {
    .header,
    .progress {
        display: none;
    }

    .canvas {
        max-width: none;
        margin: 0;
        padding: 0;
    }

    .step {
        page-break-inside: avoid;
    }
}

/* Reduced Motion */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}

/* High Contrast Mode */
@media (prefers-contrast: high) {
    :root {
        --clr-border: #000000;
        --clr-text: #000000;
        --clr-bg: #ffffff;
        --clr-accent: #0000ff;
    }

    .option__content {
        border-width: 3px;
    }

    .input,
    .select {
        border-width: 3px;
    }
}

/* === FIX: Vertical layout for Loan Purpose & Credit Rating === */
.purpose-buttons,
.credit-buttons {
  display: grid !important;
  grid-template-columns: 1fr !important;
  gap: 10px !important;
}
#step-2 .options-grid,
#step-4 .options-grid {
  display: grid !important;
  grid-template-columns: 1fr !important;
  gap: 10px !important;
}

/* =========================================================================
   MULTIPLE OFFERS PAGE STYLES (User said NO to call)
   ========================================================================= */

.multiple-offers-container {
  max-width: 600px;
  margin: 0 auto;
  padding: 0 var(--spacing-md);
}

.multiple-offers-header {
  text-align: center;
  margin-bottom: var(--spacing-xl);
}

.congratulations-title {
  font-size: 32px;
  font-weight: 700;
  color: var(--clr-accent);
  margin-bottom: var(--spacing-sm);
}

.offers-subtitle {
  font-size: 20px;
  font-weight: 600;
  color: var(--clr-text);
  margin-bottom: var(--spacing-xs);
}

.offers-note {
  font-size: 14px;
  color: var(--clr-muted);
  font-style: italic;
}

.offers-grid {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-xl);
  max-width: 500px;
  margin: 0 auto;
}

.offers-grid .lender-offer-card {
  margin-top: 0;
  width: 100%;
  max-width: 100%;
}

/* Mobile adjustments for multiple offers */
@media (max-width: 420px) {
  .multiple-offers-container {
    padding: 0 var(--spacing-sm);
  }

  .congratulations-title {
    font-size: 26px !important;
  }

  .offers-subtitle {
    font-size: 17px !important;
  }

  .offers-note {
    font-size: 12px !important;
  }

  .offers-grid {
    gap: var(--spacing-lg);
  }

  .offers-grid .lender-offer-card {
    padding: var(--spacing-md) !important;
  }

  .offers-grid .lender-title {
    font-size: 16px !important;
  }

  .offers-grid .lender-benefits li {
    font-size: 13px !important;
  }

  .offers-grid .lender-cta-button {
    font-size: 15px !important;
    padding: 12px 24px !important;
  }
}

/* Tablet adjustments */
@media (min-width: 421px) and (max-width: 768px) {
  .congratulations-title {
    font-size: 28px;
  }

  .offers-subtitle {
    font-size: 18px;
  }
}