/* ARSSA Loans – Easilon-inspired Theme */

:root {
    --navy: #0a1f44;
    --navy-dark: #061428;
    --navy-mid: #0d2a5c;
    --cyan: #00c4e8;
    --cyan-dark: #00a8c8;
    --cyan-light: #e6f9fd;
    --white: #ffffff;
    --grey-50: #f8fafc;
    --grey-100: #f1f5f9;
    --grey-200: #e2e8f0;
    --grey-300: #cbd5e1;
    --grey-400: #94a3b8;
    --grey-500: #64748b;
    --grey-600: #475569;
    --grey-700: #334155;
    --shadow-sm: 0 4px 20px rgba(10, 31, 68, 0.08);
    --shadow-md: 0 8px 30px rgba(10, 31, 68, 0.12);
    --shadow-lg: 0 20px 50px rgba(10, 31, 68, 0.15);
    --radius: 4px;
    --transition: all 0.3s ease;
}

*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Plus Jakarta Sans', 'Segoe UI', system-ui, sans-serif;
    color: var(--grey-600);
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.02em;
}

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

img { max-width: 100%; height: auto; }

.section-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--cyan);
    font-size: 0.875rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 12px;
}

.section-tag::before {
    content: '';
    width: 24px;
    height: 2px;
    background: var(--cyan);
}

.section-title {
    font-size: clamp(1.75rem, 3vw, 2.5rem);
    line-height: 1.2;
    margin-bottom: 16px;
}

.section-title.white { color: var(--white); }

/* ── Top Bar ── */
.top-bar {
    background: var(--cyan);
    padding: 8px 0;
    font-size: 0.8125rem;
    color: var(--white);
}

.top-bar a { color: var(--white); }
.top-bar a:hover { opacity: 0.85; }

.top-bar i { margin-right: 6px; }

/* ── Navbar ── */
.navbar-main {
    background: var(--white);
    padding: 20px 0;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.navbar-main.scrolled {
    padding: 10px 0;
    box-shadow: var(--shadow-md);
}

.navbar-brand {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--navy) !important;
}

.navbar-brand img {
    height: 72px;
    width: auto;
    display: block;
    object-fit: contain;
}

.navbar-brand:hover img {
    opacity: 0.9;
}

.brand-icon {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--cyan), var(--cyan-dark));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1rem;
}

.navbar-main .nav-link {
    color: var(--navy) !important;
    font-weight: 500;
    font-size: 0.9375rem;
    padding: 8px 18px !important;
    position: relative;
}

.navbar-main .nav-link:hover,
.navbar-main .nav-link.active {
    color: var(--cyan) !important;
}

.nav-utils {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.nav-utils .nav-icon {
    color: var(--navy);
    font-size: 1.1rem;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: var(--transition);
    flex-shrink: 0;
}

.nav-utils .nav-icon:hover {
    background: var(--cyan-light);
    color: var(--cyan);
}

.nav-utils .btn-cyan,
.nav-utils .btn-outline-cyan {
    width: auto;
    height: auto;
    min-height: 40px;
    border-radius: var(--radius);
    flex-shrink: 0;
    white-space: nowrap;
}

@media (max-width: 991px) {
    .nav-utils {
        margin-top: 16px;
        padding-top: 16px;
        border-top: 1px solid var(--grey-200);
        width: 100%;
        justify-content: flex-start;
    }
}

.navbar-toggler {
    border: none;
    padding: 4px 8px;
}

.navbar-toggler:focus { box-shadow: none; }

/* ── Buttons ── */
.btn-cyan {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--cyan);
    color: var(--white);
    font-weight: 600;
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 14px 28px;
    border: 2px solid var(--cyan);
    border-radius: var(--radius);
    transition: var(--transition);
}

.btn-cyan:hover {
    background: var(--cyan-dark);
    border-color: var(--cyan-dark);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(0, 196, 232, 0.35);
}

.btn-outline-cyan {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: transparent;
    color: var(--navy);
    font-weight: 600;
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 14px 28px;
    border: 2px solid var(--grey-200);
    border-radius: var(--radius);
    transition: var(--transition);
}

.btn-outline-cyan:hover {
    border-color: var(--cyan);
    color: var(--cyan);
}

.btn-cyan.btn-sm,
.btn-outline-cyan.btn-sm {
    padding: 10px 20px;
    font-size: 0.8125rem;
}

.btn-cyan.btn-lg {
    padding: 16px 32px;
}

/* ── Hero ── */
.hero-section {
    position: relative;
    padding: 140px 0 80px;
    background: var(--white);
    overflow: hidden;
}

.hero-pattern {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(135deg, transparent 40%, rgba(0, 196, 232, 0.03) 40%),
        linear-gradient(225deg, transparent 40%, rgba(10, 31, 68, 0.02) 40%);
    background-size: 80px 80px;
    pointer-events: none;
}

.hero-social {
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    display: flex;
    flex-direction: column;
    gap: 12px;
    padding: 20px 12px;
    background: var(--white);
    box-shadow: var(--shadow-md);
    border-radius: 0 8px 8px 0;
    z-index: 10;
}

.hero-social a {
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    border: 1px solid var(--grey-200);
    border-radius: 50%;
    font-size: 0.875rem;
}

.hero-social a:hover {
    background: var(--cyan);
    border-color: var(--cyan);
    color: var(--white);
}

.hero-content h1 {
    font-size: clamp(2.2rem, 4.5vw, 3.5rem);
    line-height: 1.15;
    margin-bottom: 20px;
}

.hero-content .lead {
    color: var(--grey-500);
    font-size: 1.05rem;
    margin-bottom: 32px;
    max-width: 520px;
}

.hero-image-wrap {
    position: relative;
    display: flex;
    justify-content: center;
}

.hero-circle {
    width: 420px;
    height: 420px;
    border-radius: 50%;
    overflow: hidden;
    position: relative;
    border: 8px solid var(--white);
    box-shadow: var(--shadow-lg);
}

.hero-circle img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-curve {
    position: absolute;
    bottom: -20px;
    right: 10%;
    width: 200px;
    height: 200px;
    border: 6px solid var(--cyan);
    border-radius: 50%;
    border-top-color: transparent;
    border-left-color: transparent;
    transform: rotate(-30deg);
    z-index: -1;
}

.hero-curve-2 {
    position: absolute;
    top: 10%;
    right: -5%;
    width: 120px;
    height: 120px;
    border: 4px solid var(--navy);
    border-radius: 50%;
    border-bottom-color: transparent;
    border-right-color: transparent;
    opacity: 0.3;
}

/* ── Stats Bar ── */
.stats-bar {
    background: var(--navy);
    padding: 40px 0;
}

.stat-item {
    display: flex;
    align-items: center;
    gap: 16px;
    color: var(--white);
}

.stat-item-icon {
    width: 56px;
    height: 56px;
    background: rgba(0, 196, 232, 0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--cyan);
    font-size: 1.25rem;
    flex-shrink: 0;
}

.stat-item h5 {
    color: var(--white);
    font-size: 1rem;
    margin-bottom: 2px;
}

.stat-item p {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.8125rem;
    margin: 0;
}

/* ── About ── */
.about-section {
    padding: 100px 0;
    background: var(--white);
    position: relative;
    overflow: hidden;
}

.about-pattern {
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 40%;
    background: linear-gradient(135deg, transparent 30%, rgba(0, 196, 232, 0.04) 30%);
    background-size: 60px 60px;
    pointer-events: none;
}

.about-image-wrap {
    position: relative;
    max-width: 480px;
}

.about-main-img {
    border-radius: 8px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.about-main-img img {
    width: 100%;
    height: 520px;
    object-fit: cover;
}

.about-inset-img {
    position: absolute;
    bottom: 40px;
    right: -30px;
    width: 180px;
    height: 180px;
    border: 6px solid var(--white);
    border-radius: 8px;
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.about-inset-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.experience-badge {
    position: absolute;
    bottom: 80px;
    left: -20px;
    background: var(--cyan);
    color: var(--white);
    padding: 20px 24px;
    text-align: center;
    box-shadow: var(--shadow-md);
}

.experience-badge .number {
    font-size: 2rem;
    font-weight: 800;
    line-height: 1;
    display: block;
}

.experience-badge .label {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.about-highlight {
    background: var(--cyan-light);
    border-left: 4px solid var(--cyan);
    padding: 20px 24px;
    margin: 24px 0;
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.about-highlight i {
    color: var(--cyan);
    font-size: 1.5rem;
    margin-top: 4px;
}

.about-checklist {
    list-style: none;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin: 24px 0 32px;
}

.about-checklist li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 500;
    color: var(--navy);
}

.about-checklist li i {
    color: var(--cyan);
}

/* ── Services ── */
.services-section {
    background: var(--navy);
    padding: 100px 0;
    position: relative;
}

.services-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 50px;
    flex-wrap: wrap;
    gap: 20px;
}

.services-link {
    color: var(--cyan);
    font-weight: 600;
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    display: flex;
    align-items: center;
    gap: 8px;
}

.services-link:hover { color: var(--white); }

.service-card {
    background: var(--white);
    overflow: hidden;
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.service-card-img {
    height: 260px;
    overflow: hidden;
}

.service-card-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}

.service-card:hover .service-card-img img {
    transform: scale(1.05);
}

.service-card-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: var(--white);
}

.service-card-footer h4 {
    font-size: 1.125rem;
    margin: 0;
}

.service-arrow {
    width: 44px;
    height: 44px;
    background: var(--cyan);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    flex-shrink: 0;
}

.service-card:hover .service-arrow {
    background: var(--cyan-dark);
}

/* ── Why Choose Us ── */
.why-section {
    padding: 100px 0;
    background: var(--grey-50);
}

.why-feature {
    display: flex;
    gap: 20px;
    margin-bottom: 32px;
}

.why-icon {
    width: 64px;
    height: 64px;
    background: var(--white);
    border: 2px solid var(--cyan-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--cyan);
    font-size: 1.5rem;
    flex-shrink: 0;
    transition: var(--transition);
}

.why-feature:hover .why-icon {
    background: var(--cyan);
    color: var(--white);
    border-color: var(--cyan);
}

.why-feature h5 {
    margin-bottom: 6px;
    font-size: 1.05rem;
}

.why-feature p {
    font-size: 0.9375rem;
    margin: 0;
}

.why-image {
    border-radius: 8px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.why-image img {
    width: 100%;
    height: 480px;
    object-fit: cover;
}

/* ── Process ── */
.process-section {
    padding: 100px 0;
    background: var(--white);
}

.process-step {
    text-align: center;
    padding: 30px 20px;
    position: relative;
}

.process-number {
    width: 80px;
    height: 80px;
    background: var(--cyan-light);
    border: 3px solid var(--cyan);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--cyan);
    margin: 0 auto 20px;
    transition: var(--transition);
}

.process-step:hover .process-number {
    background: var(--cyan);
    color: var(--white);
}

.process-step h5 {
    margin-bottom: 10px;
}

.process-step p {
    font-size: 0.9375rem;
    margin: 0;
}

/* ── Calculator ── */
.calculator-section {
    padding: 100px 0;
    background: var(--navy);
    position: relative;
    overflow: hidden;
}

.calculator-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(0, 196, 232, 0.1) 0%, transparent 70%);
    pointer-events: none;
}

.calculator-form {
    background: var(--white);
    padding: 40px;
    box-shadow: var(--shadow-lg);
}

.calculator-form h4 {
    margin-bottom: 24px;
}

.calc-display {
    background: var(--grey-50);
    border: 1px solid var(--grey-200);
    padding: 24px;
    margin-bottom: 24px;
}

.calc-display h3 {
    color: var(--cyan);
    font-size: 1.75rem;
    margin-bottom: 4px;
}

.form-label {
    font-weight: 600;
    color: var(--navy);
    font-size: 0.875rem;
    margin-bottom: 8px;
}

.form-control,
.form-select {
    display: block;
    width: 100%;
    border: 1.5px solid var(--grey-300);
    border-radius: var(--radius);
    padding: 12px 16px;
    font-size: 0.9375rem;
    color: var(--navy);
    background-color: var(--white);
    transition: var(--transition);
    box-shadow: inset 0 1px 2px rgba(10, 31, 68, 0.04);
}

.form-control::placeholder {
    color: var(--grey-400);
}

.form-control:focus,
.form-select:focus {
    border-color: var(--cyan);
    background-color: var(--white);
    box-shadow: 0 0 0 3px rgba(0, 196, 232, 0.15);
    outline: none;
}

.form-range::-webkit-slider-thumb {
    background: var(--cyan);
}

.form-range::-moz-range-thumb {
    background: var(--cyan);
}

input[type="file"].form-control {
    padding: 10px 12px;
    background: var(--grey-50);
}

input[type="file"].form-control::file-selector-button {
    background: var(--cyan-light);
    color: var(--navy);
    border: 1px solid var(--grey-200);
    border-radius: var(--radius);
    padding: 8px 14px;
    margin-right: 12px;
    font-weight: 600;
    cursor: pointer;
}

input[type="file"].form-control::file-selector-button:hover {
    background: var(--cyan);
    color: var(--white);
    border-color: var(--cyan);
}

/* ── Testimonials ── */
.testimonials-section {
    padding: 100px 0;
    background: var(--grey-50);
}

.testimonial-card {
    background: var(--white);
    padding: 36px;
    box-shadow: var(--shadow-sm);
    height: 100%;
    transition: var(--transition);
}

.testimonial-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.testimonial-stars {
    color: #fbbf24;
    margin-bottom: 16px;
}

.testimonial-text {
    font-style: italic;
    color: var(--grey-600);
    margin-bottom: 24px;
    font-size: 0.9375rem;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 14px;
}

.testimonial-avatar {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    overflow: hidden;
    border: 3px solid var(--cyan-light);
}

.testimonial-avatar img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.testimonial-author h6 {
    margin-bottom: 2px;
    font-size: 0.9375rem;
}

.testimonial-author span {
    font-size: 0.8125rem;
    color: var(--grey-400);
}

/* ── App CTA ── */
.app-section {
    padding: 80px 0;
    background: linear-gradient(135deg, var(--cyan) 0%, var(--cyan-dark) 100%);
    position: relative;
    overflow: hidden;
}

.app-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.08'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    pointer-events: none;
}

.app-section h2,
.app-section p {
    color: var(--white);
}

.app-section .btn-cyan {
    background: var(--white);
    color: var(--navy);
    border-color: var(--white);
}

.app-section .btn-cyan:hover {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.app-mockup {
    max-width: 280px;
    margin: 0 auto;
    filter: drop-shadow(0 20px 40px rgba(0, 0, 0, 0.2));
}

/* ── FAQ ── */
.faq-section {
    padding: 100px 0;
    background: var(--white);
}

.accordion-item {
    border: 1px solid var(--grey-200);
    margin-bottom: 12px;
    border-radius: var(--radius) !important;
    overflow: hidden;
}

.accordion-button {
    font-weight: 600;
    color: var(--navy);
    padding: 20px 24px;
    background: var(--white);
}

.accordion-button:not(.collapsed) {
    background: var(--cyan-light);
    color: var(--navy);
    box-shadow: none;
}

.accordion-button:focus {
    box-shadow: none;
    border-color: var(--cyan);
}

.accordion-body {
    padding: 0 24px 20px;
    color: var(--grey-600);
}

/* ── Footer ── */
.footer {
    background: var(--navy-dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 30px;
}

.footer h5 {
    color: var(--white);
    font-size: 1.125rem;
    margin-bottom: 24px;
}

.footer-brand img {
    height: 90px;
    width: auto;
    margin-bottom: 16px;
    display: block;
    object-fit: contain;
}

.footer-brand {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 20px;
}

.footer-about {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.9375rem;
    margin-bottom: 24px;
    line-height: 1.8;
}

.footer-links a {
    display: block;
    color: rgba(255, 255, 255, 0.6);
    padding: 6px 0;
    font-size: 0.9375rem;
}

.footer-links a:hover {
    color: var(--cyan);
    padding-left: 6px;
}

.footer-contact li {
    display: flex;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 0.9375rem;
    color: rgba(255, 255, 255, 0.6);
}

.footer-contact i {
    color: var(--cyan);
    width: 20px;
    margin-top: 4px;
}

.footer-social {
    display: flex;
    gap: 12px;
    margin-top: 20px;
}

.footer-social a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 0.9375rem;
}

.footer-social a:hover {
    background: var(--cyan);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    margin-top: 50px;
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.4);
}

/* ── Apply Page Styles ── */
body.apply-page {
    background: var(--grey-50);
    min-height: 100vh;
    padding-bottom: 48px;
}

body.apply-page .navbar-main {
    padding: 14px 0;
    border-bottom: 1px solid var(--grey-200);
}

body.apply-page .navbar-brand img {
    height: 88px;
    max-height: 88px;
}

body.apply-page .application-container {
    margin-top: 24px;
}

body.apply-page .apply-navbar .nav-utils,
body.apply-page .apply-navbar > .container-fluid > .d-flex {
    gap: 10px;
}

body.apply-page .btn-success {
    background: var(--cyan);
    border: 2px solid var(--cyan);
    color: var(--white);
    font-weight: 600;
    padding: 12px 24px;
}

body.apply-page .btn-success:hover {
    background: var(--cyan-dark);
    border-color: var(--cyan-dark);
    color: var(--white);
}

.application-container {
    max-width: 960px;
    margin: 32px auto 48px;
    background: var(--white);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid var(--grey-200);
    border-radius: 8px;
}

.header-section {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 48px 40px 40px;
    text-align: center;
    border-bottom: 3px solid var(--cyan);
}

.header-section h1 {
    color: var(--white);
    font-size: calc(1.75rem + 0.5vw);
    margin-bottom: 10px;
}

.header-section .lead {
    color: rgba(255, 255, 255, 0.75);
    font-size: 1rem;
    max-width: 520px;
    margin: 0 auto;
}

.header-section .apply-logo {
    height: 100px;
    width: auto;
    margin-bottom: 20px;
    display: inline-block;
    object-fit: contain;
    filter: drop-shadow(0 4px 12px rgba(0, 0, 0, 0.25));
}

.form-section {
    padding: 40px 48px 48px;
    position: relative;
}

.form-step h4 {
    color: var(--navy);
    font-size: 1.35rem;
    margin-bottom: 28px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--grey-100);
}

body.apply-page .form-control,
body.apply-page .form-select {
    border: 1.5px solid #cbd5e1;
    padding: 12px 14px;
    font-size: 0.9375rem;
    color: var(--navy);
    background-color: #ffffff;
    min-height: 48px;
    box-shadow: inset 0 1px 2px rgba(10, 31, 68, 0.06);
}

body.apply-page textarea.form-control {
    min-height: 96px;
}

body.apply-page input[type="date"].form-control {
    color: var(--navy);
}

body.apply-page .form-control:focus,
body.apply-page .form-select:focus {
    border-color: var(--cyan);
    background-color: #ffffff;
    box-shadow: 0 0 0 3px rgba(0, 196, 232, 0.2);
    outline: none;
}

body.apply-page .form-control:hover,
body.apply-page .form-select:hover {
    border-color: #94a3b8;
}

body.apply-page .form-label {
    color: var(--navy);
    font-weight: 600;
    font-size: 0.8125rem;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-bottom: 8px;
}

body.apply-page .form-text {
    color: var(--grey-500);
    font-size: 0.8125rem;
    margin-top: 6px;
}

.step-indicator {
    display: flex;
    justify-content: space-between;
    margin-bottom: 44px;
    position: relative;
}

.step-indicator::before {
    content: '';
    position: absolute;
    top: 22px;
    left: 10%;
    right: 10%;
    height: 3px;
    background: var(--grey-200);
    z-index: 0;
}

.step {
    text-align: center;
    position: relative;
    z-index: 2;
    flex: 1;
}

.step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    background: var(--white);
    border: 2px solid var(--grey-200);
    color: var(--grey-400);
    border-radius: 50%;
    font-weight: 700;
    margin-bottom: 8px;
    transition: var(--transition);
}

.step.active .step-number {
    background: var(--cyan);
    border-color: var(--cyan);
    color: var(--white);
}

.step-label {
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--grey-400);
    text-transform: uppercase;
}

.step.active .step-label { color: var(--navy); }

.step.completed .step-number {
    background: var(--cyan-light);
    border-color: var(--cyan);
    color: var(--cyan-dark);
}

.step.completed .step-label {
    color: var(--grey-600);
}

/* Avoid display:none on steps — mobile browsers often clear <input type="file"> when a parent is display:none */
.form-step {
    display: block;
    position: absolute;
    left: -9999px;
    width: 1px;
    height: 1px;
    overflow: hidden;
    opacity: 0;
    pointer-events: none;
    visibility: hidden;
}
.form-step.active {
    position: static;
    left: auto;
    width: auto;
    height: auto;
    overflow: visible;
    opacity: 1;
    pointer-events: auto;
    visibility: visible;
    animation: fadeUp 0.4s ease;
}

@keyframes fadeUp {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}

.calculator-box {
    background: var(--grey-50);
    padding: 28px 32px;
    margin: 16px 0 28px;
    border: 1px solid var(--grey-200);
    border-radius: 8px;
    border-left: 4px solid var(--cyan);
}

.calc-result {
    background: var(--white);
    padding: 18px 20px;
    border: 1px solid var(--grey-200);
    margin-top: 16px;
}

.calc-result .amount {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--cyan);
}

.summary-card {
    background: var(--grey-50);
    padding: 28px 32px;
    border: 1px solid var(--grey-200);
    margin-bottom: 24px;
}

.summary-item {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    border-bottom: 1px solid var(--grey-200);
}

.summary-item:last-child { border-bottom: none; }

.navigation-buttons {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 40px;
    padding-top: 24px;
    border-top: 1px solid var(--grey-200);
    gap: 12px;
}

.navigation-buttons .btn-cyan,
.navigation-buttons .btn-outline-cyan {
    min-width: 140px;
    justify-content: center;
}

.alert-notification {
    position: fixed;
    top: 24px;
    right: 24px;
    z-index: 9999;
    min-width: 320px;
    border-radius: var(--radius);
    padding: 16px 22px;
    box-shadow: var(--shadow-lg);
    background: var(--white);
    border-left: 4px solid var(--cyan);
}

/* ── Cookie Consent ── */
.cookie-consent {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 10000;
    padding: 16px;
    transform: translateY(110%);
    opacity: 0;
    visibility: hidden;
    transition: transform 0.4s ease, opacity 0.4s ease, visibility 0.4s ease;
}

.cookie-consent.show {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
}

.cookie-consent-inner {
    max-width: 1100px;
    margin: 0 auto;
    background: var(--navy);
    color: rgba(255, 255, 255, 0.85);
    border-radius: 8px;
    box-shadow: var(--shadow-lg);
    padding: 20px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    border-top: 3px solid var(--cyan);
}

.cookie-consent-content h5 {
    color: var(--white);
    font-size: 1rem;
    margin-bottom: 6px;
}

.cookie-consent-content p {
    margin: 0;
    font-size: 0.875rem;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.75);
}

.cookie-consent-content a {
    color: var(--cyan);
    text-decoration: underline;
}

.cookie-consent-content a:hover {
    color: var(--white);
}

.cookie-consent-actions {
    display: flex;
    gap: 10px;
    flex-shrink: 0;
}

.cookie-consent .btn-outline-cyan {
    border-color: rgba(255, 255, 255, 0.35);
    color: var(--white);
}

.cookie-consent .btn-outline-cyan:hover {
    border-color: var(--white);
    color: var(--navy);
    background: var(--white);
}

/* ── Animations ── */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
}

.animate-in {
    animation: fadeInUp 0.7s ease forwards;
}

/* ── Responsive ── */
@media (max-width: 991px) {
    .hero-social { display: none; }
    .hero-circle { width: 340px; height: 340px; }
    .about-inset-img { right: 0; width: 140px; height: 140px; }
    .about-checklist { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .cookie-consent-inner {
        flex-direction: column;
        align-items: stretch;
        text-align: center;
    }

    .cookie-consent-actions {
        justify-content: center;
    }

    .hero-section { padding: 120px 0 60px; }
    .hero-circle { width: 280px; height: 280px; }
    .about-main-img img { height: 400px; }
    .experience-badge { left: 10px; bottom: 60px; }
    .stat-item { margin-bottom: 20px; }
    .services-header { flex-direction: column; align-items: flex-start; }
    .form-section { padding: 28px 20px 36px; }
    .header-section { padding: 36px 24px 32px; }
    .header-section .apply-logo { height: 72px; }
    body.apply-page .navbar-brand img { height: 64px; }
    .navigation-buttons { flex-direction: column-reverse; }
    .navigation-buttons .btn-cyan,
    .navigation-buttons .btn-outline-cyan { width: 100%; }
    .step-label { font-size: 0.65rem; }
}

@media (max-width: 576px) {
    .hero-content .d-flex { flex-direction: column; }
    .btn-cyan, .btn-outline-cyan { width: 100%; justify-content: center; }
    .calculator-form { padding: 24px; }
}