/* ================================================================
   NovaCrest Financial — Mobile-First Onboarding Stylesheet
   UK Credit Card Pre-Approved Application
================================================================ */

:root {
    --navy:       #0a2540;
    --navy-mid:   #0d3060;
    --navy-light: #1a4a8a;
    --gold:       #c9a84c;
    --gold-light: #e8c96e;
    --gold-pale:  #fdf6e3;
    --green:      #1a8a4a;
    --green-bg:   #f0faf4;
    --red:        #c0392b;
    --red-bg:     #fdf0ef;
    --amber:      #d97706;
    --amber-bg:   #fffbeb;
    --blue:       #1a5fa8;
    --blue-bg:    #eff6ff;
    --grey-50:    #f8fafc;
    --grey-100:   #f1f5f9;
    --grey-200:   #e2e8f0;
    --grey-300:   #cbd5e1;
    --grey-400:   #94a3b8;
    --grey-500:   #64748b;
    --grey-700:   #334155;
    --grey-900:   #0f172a;
    --white:      #ffffff;
    --shadow-sm:  0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.04);
    --shadow-md:  0 4px 6px rgba(0,0,0,.07), 0 2px 4px rgba(0,0,0,.05);
    --shadow-lg:  0 10px 15px rgba(0,0,0,.08), 0 4px 6px rgba(0,0,0,.04);
    --shadow-xl:  0 20px 25px rgba(0,0,0,.1), 0 10px 10px rgba(0,0,0,.04);
    --radius-sm:  6px;
    --radius:     10px;
    --radius-lg:  16px;
    --radius-xl:  24px;
    --font-body:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-serif: 'Playfair Display', Georgia, serif;
    --transition: 0.2s ease;
}

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

html { font-size: 16px; scroll-behavior: smooth; }

body {
    font-family: var(--font-body);
    background: var(--grey-50);
    color: var(--grey-900);
    line-height: 1.6;
    min-height: 100vh;
    /* Padding for sticky bottom nav on mobile */
    padding-bottom: 80px;
}

@media (min-width: 640px) {
    body { padding-bottom: 0; }
}

/* ── Security Bar ── */
.security-bar {
    background: var(--navy);
    padding: 7px 0;
    font-size: 11px;
    color: rgba(255,255,255,.8);
}
.security-bar-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 16px;
    display: flex;
    gap: 12px;
    align-items: center;
    flex-wrap: wrap;
    justify-content: center;
}
.security-item {
    display: flex;
    align-items: center;
    gap: 5px;
}
.security-item svg { width: 12px; height: 12px; stroke: var(--gold); }
.fca-ref { opacity: .6; font-size: 11px; }

@media (min-width: 640px) {
    .security-bar { font-size: 12px; }
    .security-bar-inner { padding: 0 24px; gap: 24px; justify-content: flex-start; }
    .fca-ref { margin-left: auto; }
}

/* ── Header ── */
.site-header {
    background: var(--white);
    border-bottom: 1px solid var(--grey-200);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: var(--shadow-sm);
}
.header-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 10px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.logo-wrap { display: flex; align-items: center; gap: 10px; }
.logo-icon svg { width: 36px; height: 36px; }
.logo-icon.small svg { width: 28px; height: 28px; }
.logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.logo-name { font-family: var(--font-serif); font-size: 18px; font-weight: 700; color: var(--navy); }
.logo-sub { font-size: 10px; color: var(--grey-500); letter-spacing: .5px; text-transform: uppercase; }
.header-right { display: flex; align-items: center; gap: 12px; }
.secure-badge {
    display: flex; align-items: center; gap: 5px;
    background: var(--green-bg);
    color: var(--green);
    border: 1px solid #bbf7d0;
    border-radius: 20px;
    padding: 4px 10px;
    font-size: 11px;
    font-weight: 600;
}
.secure-badge svg { width: 12px; height: 12px; stroke: var(--green); }
.header-phone { font-size: 13px; font-weight: 600; color: var(--navy); display: none; }

@media (min-width: 640px) {
    .header-inner { padding: 14px 24px; }
    .logo-icon svg { width: 44px; height: 44px; }
    .logo-name { font-size: 22px; }
    .logo-sub { font-size: 11px; }
    .secure-badge { font-size: 12px; padding: 5px 12px; }
    .header-phone { display: block; font-size: 14px; }
}

/* ── Hero Banner ── */
.hero-banner {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #0f3d7a 100%);
    color: var(--white);
    padding: 36px 16px 32px;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 32px;
    overflow: hidden;
    position: relative;
}
.hero-banner::before {
    content: '';
    position: absolute;
    top: -80px; right: -80px;
    width: 300px; height: 300px;
    border-radius: 50%;
    background: rgba(201,168,76,.07);
    pointer-events: none;
}
.hero-banner::after {
    content: '';
    position: absolute;
    bottom: -120px; left: 30%;
    width: 400px; height: 400px;
    border-radius: 50%;
    background: rgba(255,255,255,.03);
    pointer-events: none;
}
.hero-content { max-width: 600px; position: relative; z-index: 1; width: 100%; }

@media (min-width: 640px) {
    .hero-banner {
        padding: 52px 24px;
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
    }
}

@media (min-width: 1024px) {
    .hero-banner { padding: 64px 40px; }
}

/* Pre-approved badge */
.pre-approved-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
    background-size: 200% auto;
    color: var(--navy);
    font-weight: 700;
    font-size: 12px;
    padding: 6px 14px;
    border-radius: 20px;
    letter-spacing: .4px;
    text-transform: uppercase;
    margin-bottom: 14px;
    animation: shimmer 2.5s linear infinite;
}
.pre-approved-badge svg { width: 14px; height: 14px; stroke: var(--navy); stroke-width: 3; }

@keyframes shimmer {
    0% { background-position: 0% center; }
    100% { background-position: 200% center; }
}

/* Hero headline */
.hero-title {
    font-family: var(--font-serif);
    font-size: 28px;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 10px;
}
.hero-title .name-highlight {
    color: var(--gold-light);
    display: block;
    font-size: 1.1em;
}
.hero-subtitle {
    font-size: 15px;
    color: rgba(255,255,255,.85);
    margin-bottom: 18px;
    line-height: 1.6;
}

@media (min-width: 640px) {
    .hero-title { font-size: 36px; }
    .hero-subtitle { font-size: 16px; }
}

@media (min-width: 1024px) {
    .hero-title { font-size: 44px; }
}

/* Hero badges row */
.hero-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 22px;
}
.hero-badge-soft-check {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: rgba(26,138,74,.2);
    border: 1.5px solid rgba(26,138,74,.5);
    color: #6ee7a8;
    font-size: 13px;
    font-weight: 700;
    padding: 7px 14px;
    border-radius: 8px;
}
.hero-badge-soft-check svg { width: 16px; height: 16px; stroke: #6ee7a8; flex-shrink: 0; }
.hero-badge-time {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: rgba(255,255,255,.1);
    border: 1.5px solid rgba(255,255,255,.2);
    color: rgba(255,255,255,.9);
    font-size: 13px;
    font-weight: 600;
    padding: 7px 14px;
    border-radius: 8px;
}
.hero-badge-time svg { width: 15px; height: 15px; stroke: var(--gold-light); }

/* Offer tiles */
.offer-tiles {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 22px;
}
.offer-tile {
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(201,168,76,.3);
    border-top: 3px solid var(--gold);
    border-radius: 12px;
    padding: 14px 12px;
    text-align: center;
}
.offer-tile-icon {
    font-size: 20px;
    margin-bottom: 4px;
    display: block;
}
.offer-tile-value {
    font-family: var(--font-serif);
    font-size: 22px;
    font-weight: 700;
    color: var(--gold-light);
    line-height: 1.1;
    display: block;
    margin-bottom: 4px;
}
.offer-tile-label {
    font-size: 11px;
    color: rgba(255,255,255,.7);
    text-transform: uppercase;
    letter-spacing: .5px;
}

@media (min-width: 640px) {
    .offer-tiles { grid-template-columns: repeat(4, 1fr); }
    .offer-tile-value { font-size: 26px; }
}

/* Social proof strip */
.hero-social-proof {
    font-size: 13px;
    color: rgba(255,255,255,.7);
    margin-bottom: 22px;
    line-height: 1.5;
}
.hero-social-proof strong { color: var(--gold-light); }

/* Countdown */
.offer-expiry-wrap {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
}
.offer-expiry {
    font-size: 13px;
    color: rgba(255,255,255,.8);
}
.countdown-timer {
    display: inline-block;
    background: rgba(201,168,76,.2);
    border: 1.5px solid var(--gold);
    color: var(--gold-light);
    font-size: 20px;
    font-weight: 700;
    font-family: 'Courier New', monospace;
    padding: 6px 14px;
    border-radius: 8px;
    letter-spacing: 2px;
}

/* Hero Apply button */
.btn-hero-apply {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    font-weight: 700;
    font-size: 15px;
    padding: 14px 28px;
    border-radius: 10px;
    border: none;
    cursor: pointer;
    text-decoration: none;
    margin-top: 16px;
    box-shadow: 0 4px 16px rgba(201,168,76,.4);
    transition: transform .15s ease, box-shadow .15s ease;
}
.btn-hero-apply:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,168,76,.5); }
.btn-hero-apply svg { width: 18px; height: 18px; }

/* ── 3D Card Visual ── */
.hero-card-wrap {
    display: none; /* hidden on mobile */
    flex-shrink: 0;
    position: relative;
    z-index: 1;
}

@media (min-width: 640px) {
    .hero-card-wrap { display: block; }
}

.card-3d {
    perspective: 800px;
    animation: cardFloat 4s ease-in-out infinite;
}

@keyframes cardFloat {
    0%, 100% { transform: translateY(0) rotateX(4deg) rotateY(-8deg); }
    50%       { transform: translateY(-12px) rotateX(6deg) rotateY(-12deg); }
}

.credit-card-visual {
    width: 280px;
    height: 176px;
    background: linear-gradient(135deg, #1a3a6e 0%, #0a2540 40%, #1a4a8a 100%);
    border-radius: 16px;
    padding: 20px 22px;
    box-shadow: 0 24px 48px rgba(0,0,0,.5), 0 0 0 1px rgba(255,255,255,.1);
    position: relative;
    overflow: hidden;
    color: white;
}

@media (min-width: 1024px) {
    .credit-card-visual { width: 320px; height: 200px; }
}

.credit-card-visual::before {
    content: '';
    position: absolute;
    top: -40px; right: -40px;
    width: 200px; height: 200px;
    background: radial-gradient(circle, rgba(201,168,76,.15) 0%, transparent 70%);
    border-radius: 50%;
}
.card-chip {
    width: 38px; height: 28px;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    border-radius: 5px;
    margin-bottom: 16px;
    position: relative;
}
.card-chip::before { content: ''; position: absolute; inset: 4px; border: 1px solid rgba(201,168,76,.4); border-radius: 3px; }
.card-logo-top { font-size: 11px; font-weight: 700; letter-spacing: 2px; color: var(--gold-light); position: absolute; top: 20px; right: 22px; }
.card-number { font-size: 16px; letter-spacing: 3px; font-weight: 600; margin-bottom: 14px; color: rgba(255,255,255,.9); }
.card-bottom { display: flex; justify-content: space-between; align-items: flex-end; }
.card-holder { font-size: 12px; letter-spacing: 1.5px; font-weight: 600; color: rgba(255,255,255,.8); text-transform: uppercase; }
.brand-circles { display: flex; }
.circle { width: 28px; height: 28px; border-radius: 50%; }
.circle.c1 { background: rgba(201,168,76,.8); margin-right: -10px; }
.circle.c2 { background: rgba(255,255,255,.3); }
.card-shine {
    position: absolute;
    top: 0; left: -50%;
    width: 60%; height: 100%;
    background: linear-gradient(105deg, transparent 40%, rgba(255,255,255,.06) 50%, transparent 60%);
    pointer-events: none;
}

/* ── Progress Bar ── */
.progress-wrapper {
    background: var(--white);
    border-bottom: 1px solid var(--grey-200);
    position: sticky;
    top: 57px;
    z-index: 90;
    box-shadow: var(--shadow-sm);
}

@media (min-width: 640px) {
    .progress-wrapper { top: 72px; }
}

.progress-inner {
    max-width: 900px;
    margin: 0 auto;
    padding: 14px 16px;
}

@media (min-width: 640px) {
    .progress-inner { padding: 16px 24px; }
}

/* Mobile: dots only */
.progress-steps {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    margin-bottom: 10px;
}

.step-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 4px;
    flex-shrink: 0;
}

.step-circle {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--grey-200);
    color: var(--grey-500);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 700;
    transition: all .3s ease;
    border: 2px solid transparent;
}

/* Mobile: hide step labels by default */
.step-item span {
    font-size: 11px;
    color: var(--grey-500);
    font-weight: 500;
    display: none;
    white-space: nowrap;
}

/* Show label only for active step on mobile */
.step-item.active span { display: block; color: var(--navy); font-weight: 700; }

.step-item.active .step-circle {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
    width: 36px;
    height: 36px;
    font-size: 14px;
}

.step-item.completed .step-circle {
    background: var(--green);
    color: var(--white);
    border-color: var(--green);
}

.step-item.completed .step-circle::after {
    content: '✓';
    font-size: 14px;
}

.step-item.completed .step-circle .step-num { display: none; }

.step-line {
    flex: 1;
    height: 2px;
    background: var(--grey-200);
    min-width: 16px;
    max-width: 48px;
    margin: 0 4px;
    margin-bottom: 20px;
    transition: background .3s ease;
}
.step-line.completed { background: var(--green); }

/* Desktop: show all labels */
@media (min-width: 640px) {
    .step-item span { display: block; }
    .step-circle { width: 36px; height: 36px; font-size: 14px; }
    .step-item.active .step-circle { width: 40px; height: 40px; }
    .step-line { min-width: 32px; max-width: 80px; margin: 0 6px; margin-bottom: 22px; }
}

.progress-bar-track {
    height: 4px;
    background: var(--grey-200);
    border-radius: 2px;
    overflow: hidden;
}
.progress-bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--navy), var(--navy-light));
    border-radius: 2px;
    transition: width .4s ease;
}

/* ── Form Container ── */
.form-container {
    max-width: 860px;
    margin: 0 auto;
    padding: 20px 12px 24px;
}

@media (min-width: 640px) {
    .form-container { padding: 32px 24px 40px; }
}

@media (min-width: 1024px) {
    .form-container { padding: 40px 24px 60px; }
}

/* ── Form Steps ── */
.form-step { display: none; }
.form-step.active {
    display: block;
    animation: fadeSlide .3s ease forwards;
}

@keyframes fadeSlide {
    from { opacity: 0; transform: translateY(14px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* ── Step Card ── */
.step-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: 20px 16px;
    margin-bottom: 16px;
    border: 1px solid var(--grey-200);
}

@media (min-width: 640px) {
    .step-card { padding: 28px; margin-bottom: 20px; }
}

/* ── Step Header ── */
.step-header {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 20px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--grey-100);
}
.step-icon {
    width: 44px; height: 44px;
    background: var(--navy);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.step-icon svg { width: 22px; height: 22px; stroke: var(--white); }
.step-header h2 {
    font-family: var(--font-serif);
    font-size: 20px;
    color: var(--navy);
    margin-bottom: 4px;
}
.step-header p { font-size: 13px; color: var(--grey-500); line-height: 1.5; }

@media (min-width: 640px) {
    .step-header h2 { font-size: 22px; }
}

/* Section divider */
.section-divider {
    display: flex;
    align-items: center;
    gap: 12px;
    margin: 24px 0 20px;
}
.section-divider-line { flex: 1; height: 1px; background: var(--grey-200); }
.section-divider-label {
    font-size: 12px;
    font-weight: 700;
    color: var(--grey-500);
    text-transform: uppercase;
    letter-spacing: .8px;
    white-space: nowrap;
}

/* ── Info/Notice boxes ── */
.info-notice {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    background: var(--blue-bg);
    border: 1px solid #bfdbfe;
    border-radius: var(--radius);
    padding: 12px 14px;
    font-size: 13px;
    color: var(--blue);
    margin-bottom: 20px;
    line-height: 1.5;
}
.info-notice svg { width: 16px; height: 16px; stroke: var(--blue); flex-shrink: 0; margin-top: 1px; }

.soft-check-notice {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    background: var(--green-bg);
    border: 1px solid #bbf7d0;
    border-radius: var(--radius);
    padding: 12px 14px;
    font-size: 13px;
    color: var(--green);
    margin-bottom: 20px;
    line-height: 1.5;
    font-weight: 600;
}
.soft-check-notice svg { width: 16px; height: 16px; stroke: var(--green); flex-shrink: 0; margin-top: 1px; }

/* ── Form Grid ── */
.form-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
}

@media (min-width: 640px) {
    .form-grid-2 { grid-template-columns: 1fr 1fr; }
    .form-grid-3 { grid-template-columns: 1fr 1fr 1fr; }
}

/* ── Form Group ── */
.form-group { display: flex; flex-direction: column; }
.form-label {
    font-size: 13px;
    font-weight: 700;
    color: var(--grey-700);
    margin-bottom: 6px;
}
.form-label.required::after { content: ' *'; color: var(--red); }
.form-hint {
    font-size: 11px;
    color: var(--grey-400);
    margin-top: 4px;
    line-height: 1.4;
}

/* ── Form Controls ── */
.form-control {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid var(--grey-300);
    border-radius: var(--radius);
    font-family: var(--font-body);
    font-size: 16px; /* Critical: prevents iOS auto-zoom */
    color: var(--grey-900);
    background: var(--white);
    transition: border-color .2s, box-shadow .2s, background .2s;
    min-height: 48px; /* Better tap targets */
    -webkit-appearance: none;
    appearance: none;
}

.form-control:focus {
    outline: none;
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(10,37,64,.12);
}

.form-control.valid {
    border-color: var(--green);
    border-left-width: 3px;
}

.form-control.error {
    border-color: var(--red);
    background: var(--red-bg);
}

.form-control.shake {
    animation: shake .35s ease;
}

select.form-control { padding-right: 36px; cursor: pointer; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 10px center; background-size: 18px; }

textarea.form-control { min-height: 90px; resize: vertical; }

@keyframes shake {
    0%,100% { transform: translateX(0); }
    20%      { transform: translateX(-6px); }
    40%      { transform: translateX(6px); }
    60%      { transform: translateX(-4px); }
    80%      { transform: translateX(4px); }
}

/* ── Error messages ── */
.field-error {
    font-size: 12px;
    color: var(--red);
    font-weight: 600;
    margin-top: 4px;
    min-height: 16px;
    display: none;
}
.field-error.visible { display: block; }

/* ── Postcode row ── */
.postcode-row {
    display: flex;
    gap: 10px;
    align-items: flex-end;
}
.postcode-row .form-control { flex: 1; text-transform: uppercase; }
.btn-postcode {
    padding: 12px 16px;
    background: var(--navy);
    color: var(--white);
    border: none;
    border-radius: var(--radius);
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    white-space: nowrap;
    min-height: 48px;
    transition: background .2s;
    flex-shrink: 0;
}
.btn-postcode:hover { background: var(--navy-mid); }

/* ── Radio / Checkbox groups ── */
.radio-group, .checkbox-group {
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.radio-option, .checkbox-option {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 14px;
    border: 1.5px solid var(--grey-200);
    border-radius: var(--radius);
    cursor: pointer;
    transition: border-color .2s, background .2s;
    font-size: 14px;
    width: 100%;
}
.radio-option:hover, .checkbox-option:hover { border-color: var(--navy); background: var(--grey-50); }
.radio-option input, .checkbox-option input { width: 18px; height: 18px; flex-shrink: 0; accent-color: var(--navy); cursor: pointer; }

.checkbox-group-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}

@media (min-width: 640px) {
    .radio-group { flex-direction: row; flex-wrap: wrap; }
    .radio-option { width: auto; }
}

/* Yes/No radio */
.yes-no-group {
    display: flex;
    gap: 10px;
}
.yes-no-group .radio-option { flex: 1; justify-content: center; }

/* ── Conditional sections ── */
.conditional-section {
    background: var(--grey-50);
    border: 1px solid var(--grey-200);
    border-radius: var(--radius);
    padding: 16px;
    margin-top: 12px;
}
.conditional-section.hidden { display: none; }

/* ── KFI Box ── */
.kfi-box {
    background: var(--navy);
    color: var(--white);
    border-radius: var(--radius-lg);
    padding: 20px 16px;
    margin-bottom: 20px;
}
.kfi-box h3 {
    font-family: var(--font-serif);
    font-size: 16px;
    color: var(--gold-light);
    margin-bottom: 4px;
}
.kfi-box p { font-size: 12px; color: rgba(255,255,255,.6); margin-bottom: 16px; }
.kfi-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}

@media (min-width: 640px) {
    .kfi-box { padding: 24px; }
    .kfi-grid { grid-template-columns: repeat(3, 1fr); }
}

.kfi-row {
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: 8px;
    padding: 12px;
}
.kfi-row-label { font-size: 10px; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 4px; }
.kfi-row-val { font-size: 16px; font-weight: 700; color: var(--gold-light); }

/* ── Terms box ── */
.terms-scroll {
    height: 280px;
    overflow-y: auto;
    border: 1.5px solid var(--grey-200);
    border-radius: var(--radius);
    padding: 16px;
    font-size: 12px;
    line-height: 1.7;
    color: var(--grey-700);
    background: var(--grey-50);
    -webkit-overflow-scrolling: touch;
}
.terms-scroll h4 { font-size: 13px; font-weight: 700; color: var(--navy); margin: 14px 0 6px; }
.terms-scroll h4:first-child { margin-top: 0; }
.terms-scroll p { margin-bottom: 10px; }

/* ── Declarations ── */
.declarations { display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.checkbox-declaration {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 14px;
    border: 1.5px solid var(--grey-200);
    border-radius: var(--radius);
    background: var(--white);
    cursor: pointer;
    transition: border-color .2s, background .2s;
}
.checkbox-declaration:hover { border-color: var(--navy); background: var(--grey-50); }
.checkbox-declaration input[type="checkbox"] { width: 20px; height: 20px; margin-top: 1px; flex-shrink: 0; accent-color: var(--navy); cursor: pointer; }
.checkbox-declaration span { font-size: 13px; color: var(--grey-700); line-height: 1.5; cursor: pointer; }
.checkbox-declaration span strong { color: var(--navy); display: block; margin-bottom: 2px; }

.marketing-opts { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.marketing-opt {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
    color: var(--grey-700);
    cursor: pointer;
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--grey-200);
}
.marketing-opt input { width: 18px; height: 18px; accent-color: var(--navy); }

/* ── Signature ── */
.sig-box {
    background: var(--grey-50);
    border: 1.5px solid var(--grey-200);
    border-radius: var(--radius);
    padding: 14px;
    margin-top: 12px;
}
.sig-preview {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 24px;
    color: var(--navy);
    min-height: 48px;
    border-bottom: 2px solid var(--navy);
    padding-bottom: 6px;
    margin-bottom: 12px;
    font-style: italic;
    word-break: break-word;
}
.sig-date-row {
    display: flex;
    gap: 12px;
    align-items: center;
    font-size: 13px;
    color: var(--grey-500);
    flex-wrap: wrap;
}
.sig-date-row input { font-size: 14px; border: none; background: transparent; color: var(--grey-700); font-weight: 600; padding: 0; width: auto; min-height: auto; }

/* ── Form Nav ── */
.form-nav {
    display: none; /* hidden on mobile — sticky bar handles it */
    justify-content: space-between;
    align-items: center;
    margin-top: 24px;
    padding-top: 20px;
    border-top: 1px solid var(--grey-200);
}

@media (min-width: 640px) {
    .form-nav {
        display: flex;
    }
}

/* ── Sticky Mobile Nav ── */
.sticky-mobile-nav {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--white);
    border-top: 1px solid var(--grey-200);
    box-shadow: 0 -4px 16px rgba(0,0,0,.08);
    padding: 12px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    z-index: 200;
    height: 72px;
}

@media (min-width: 640px) {
    .sticky-mobile-nav { display: none; }
}

/* ── Buttons ── */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 24px;
    border-radius: var(--radius);
    font-family: var(--font-body);
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all .2s ease;
    border: 2px solid transparent;
    text-decoration: none;
    min-height: 48px;
}
.btn svg { width: 18px; height: 18px; }

.btn-primary {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
    box-shadow: 0 4px 12px rgba(10,37,64,.25);
}
.btn-primary:hover { background: var(--navy-mid); border-color: var(--navy-mid); transform: translateY(-1px); box-shadow: 0 6px 16px rgba(10,37,64,.3); }

.btn-ghost {
    background: transparent;
    color: var(--grey-700);
    border-color: var(--grey-300);
}
.btn-ghost:hover { background: var(--grey-50); border-color: var(--grey-400); }

.btn-success {
    background: linear-gradient(135deg, var(--green), #15a34a);
    color: var(--white);
    border-color: var(--green);
    width: 100%;
    justify-content: center;
    font-size: 17px;
    padding: 16px 24px;
    box-shadow: 0 6px 20px rgba(26,138,74,.35);
}
.btn-success:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(26,138,74,.4); }

/* Mobile nav buttons fill available space */
.sticky-mobile-nav .btn-ghost { flex: 1; justify-content: center; }
.sticky-mobile-nav .btn-primary { flex: 2; justify-content: center; }

/* ── Spinner ── */
.spinner {
    width: 18px; height: 18px;
    border: 2px solid rgba(255,255,255,.3);
    border-top-color: var(--white);
    border-radius: 50%;
    animation: spin .7s linear infinite;
    display: inline-block;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ── Utility ── */
.hidden { display: none !important; }

/* ── Footer ── */
.site-footer {
    background: var(--navy);
    color: rgba(255,255,255,.7);
    padding: 32px 0 24px;
    font-size: 13px;
    margin-top: 40px;
}
.footer-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 16px;
}

@media (min-width: 640px) {
    .footer-inner { padding: 0 24px; }
}

.footer-top {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 20px;
    align-items: flex-start;
}

@media (min-width: 640px) {
    .footer-top { flex-direction: row; align-items: center; justify-content: space-between; }
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255,255,255,.85);
    font-weight: 600;
    font-size: 14px;
}
.footer-badges { display: flex; gap: 8px; flex-wrap: wrap; }
.footer-badge {
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.15);
    border-radius: 6px;
    padding: 4px 10px;
    font-size: 11px;
    color: rgba(255,255,255,.7);
}
.footer-links {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-bottom: 16px;
}
.footer-links a { color: rgba(255,255,255,.6); text-decoration: none; font-size: 13px; }
.footer-links a:hover { color: var(--gold-light); }
.footer-legal { font-size: 11px; color: rgba(255,255,255,.4); line-height: 1.7; }

/* ── Success page extra ── */
.success-page {
    flex: 1;
    max-width: 680px;
    margin: 32px auto;
    padding: 0 16px;
    text-align: center;
}

@media (min-width: 640px) {
    .success-page { margin: 60px auto; padding: 0 24px; }
}