/* ============================================
   Closr — Global Stylesheet
   closrlead.com
   ============================================ */

/* ---- Google Fonts ---- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

/* ---- Variables ---- */
:root {
  --bg-primary:    #07090f;
  --bg-secondary:  #0c1020;
  --bg-card:       #0f1623;
  --bg-card-hover: #141d2e;
  --text-primary:  #f1f5f9;
  --text-secondary:#8b98b0;
  --text-muted:    #3f4f68;
  --accent:        #3b82f6;
  --accent-hover:  #2563eb;
  --accent-glow:   rgba(59,130,246,0.15);
  --accent-glow-strong: rgba(59,130,246,0.3);
  --gold:          #f59e0b;
  --border:        #1a2540;
  --border-light:  #1e2d47;
  --success:       #10b981;
  --danger:        #ef4444;
  --radius-sm:     8px;
  --radius-md:     14px;
  --radius-lg:     22px;
  --nav-height:    72px;
  --max-width:     1180px;
  --section-pad:   120px 0;
}

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

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

body {
  background: var(--bg-primary);
  color: var(--text-primary);
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* Subtle grid background */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.018) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.018) 1px, transparent 1px);
  background-size: 64px 64px;
  pointer-events: none;
  z-index: 0;
}

/* ---- Typography ---- */
h1 {
  font-size: clamp(2.4rem, 5vw, 4.25rem);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.03em;
  color: var(--text-primary);
}
h2 {
  font-size: clamp(1.875rem, 3.5vw, 2.875rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.025em;
  color: var(--text-primary);
}
h3 {
  font-size: clamp(1.15rem, 2vw, 1.375rem);
  font-weight: 600;
  line-height: 1.3;
  color: var(--text-primary);
}
h4 { font-size: 1.05rem; font-weight: 600; color: var(--text-primary); }
p  { color: var(--text-secondary); line-height: 1.75; }
a  { color: inherit; text-decoration: none; }

.text-gradient {
  background: linear-gradient(135deg, #60a5fa 0%, #3b82f6 50%, #818cf8 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---- Layout ---- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 28px;
  position: relative;
  z-index: 1;
}
.section { padding: var(--section-pad); }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all 0.22s ease;
  letter-spacing: -0.01em;
  font-family: inherit;
  white-space: nowrap;
}
.btn-primary {
  background: var(--accent);
  color: #fff;
  box-shadow: 0 0 0 1px rgba(59,130,246,0.35), 0 4px 20px rgba(59,130,246,0.3);
}
.btn-primary:hover {
  background: var(--accent-hover);
  box-shadow: 0 0 0 1px rgba(59,130,246,0.55), 0 8px 28px rgba(59,130,246,0.45);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--text-secondary);
  border: 1px solid var(--border-light);
}
.btn-outline:hover {
  border-color: var(--accent);
  color: var(--accent);
  background: var(--accent-glow);
}
.btn-lg { padding: 17px 34px; font-size: 1rem; }
.btn-xl { padding: 20px 42px; font-size: 1.0625rem; font-weight: 700; }

/* ---- Navigation ---- */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  height: var(--nav-height);
  display: flex;
  align-items: center;
  background: rgba(7,9,15,0.82);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border);
  transition: background 0.3s;
}
.nav-container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 28px;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-size: 1.4rem;
  font-weight: 900;
  letter-spacing: -0.05em;
  color: var(--text-primary);
  flex-shrink: 0;
}
.nav-logo span { color: var(--accent); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
}
.nav-links a {
  padding: 8px 14px;
  color: var(--text-secondary);
  font-size: 0.875rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: all 0.2s;
}
.nav-links a:hover,
.nav-links a.active { color: var(--text-primary); background: rgba(255,255,255,0.06); }
.nav-right { display: flex; align-items: center; gap: 16px; }
.nav-mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--text-primary);
  padding: 6px;
}
.nav-mobile-menu {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0; right: 0;
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border);
  padding: 16px 20px;
  z-index: 99;
  flex-direction: column;
  gap: 4px;
}
.nav-mobile-menu.open { display: flex; }
.nav-mobile-menu a {
  padding: 12px 16px;
  color: var(--text-secondary);
  font-size: 0.9375rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: all 0.2s;
  display: block;
}
.nav-mobile-menu a:hover { color: var(--text-primary); background: rgba(255,255,255,0.05); }
.nav-mobile-menu .btn { width: 100%; justify-content: center; margin-top: 8px; }

/* ---- Page offset for fixed nav ---- */
main { padding-top: var(--nav-height); }

/* ---- Top accent line ---- */
.page-accent-line {
  height: 1px;
  background: linear-gradient(90deg, transparent 0%, var(--accent) 50%, transparent 100%);
  opacity: 0.6;
}

/* ============================================
   HOME — Hero
   ============================================ */
.hero {
  padding: 96px 0 120px;
  position: relative;
  overflow: hidden;
}
.hero-glow {
  position: absolute;
  top: -220px; left: 50%;
  transform: translateX(-50%);
  width: 1000px; height: 700px;
  background: radial-gradient(ellipse, rgba(59,130,246,0.11) 0%, transparent 68%);
  pointer-events: none;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(59,130,246,0.08);
  border: 1px solid rgba(59,130,246,0.22);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.775rem;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 28px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.badge-dot {
  width: 6px; height: 6px;
  background: var(--accent);
  border-radius: 50%;
  animation: blink 2.2s ease-in-out infinite;
}
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:0.3} }
.hero h1 { max-width: 820px; margin-bottom: 24px; }
.hero .hero-sub {
  font-size: 1.125rem;
  max-width: 560px;
  margin-bottom: 44px;
  color: var(--text-secondary);
  line-height: 1.7;
}
.hero-ctas { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.hero-note {
  margin-top: 18px;
  font-size: 0.8rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 6px;
}
.hero-note svg { color: var(--success); }

/* ============================================
   Social Proof Bar
   ============================================ */
.proof-bar {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  background: var(--bg-secondary);
  padding: 0;
  overflow: hidden;
}
.proof-bar-inner {
  display: flex;
  align-items: stretch;
  justify-content: center;
}
.proof-stat {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 20px 36px;
  border-right: 1px solid var(--border);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
  flex: 1;
  justify-content: center;
}
.proof-stat:last-child { border-right: none; }
.proof-stat strong { color: var(--text-primary); }
.proof-stat .icon { font-size: 1rem; }

/* ============================================
   Section Headers
   ============================================ */
.eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  display: block;
  margin-bottom: 14px;
}
.section-header { max-width: 640px; margin-bottom: 64px; }
.section-header.centered { text-align: center; margin: 0 auto 64px; }
.section-header h2 { margin-bottom: 14px; }
.section-header p { font-size: 1.0625rem; }

/* ============================================
   How It Works — Home
   ============================================ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}
.step-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  padding: 52px 40px;
  position: relative;
  transition: background 0.3s, border-color 0.3s;
}
.step-card:first-child  { border-radius: var(--radius-lg) 0 0 var(--radius-lg); }
.step-card:last-child   { border-radius: 0 var(--radius-lg) var(--radius-lg) 0; }
.step-card:hover {
  background: var(--bg-card-hover);
  border-color: rgba(59,130,246,0.28);
  z-index: 1;
}
.step-number {
  font-size: 4rem;
  font-weight: 900;
  color: rgba(59,130,246,0.14);
  line-height: 1;
  margin-bottom: 28px;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums;
}
.step-card h3 { margin-bottom: 10px; }

/* ============================================
   Offer Section — Home
   ============================================ */
.offer-section {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.offer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.offer-content h2 { margin-bottom: 20px; }
.offer-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 28px 0;
}
.offer-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: var(--text-secondary);
  font-size: 0.9375rem;
  line-height: 1.6;
}
.check-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px; height: 20px;
  min-width: 20px;
  background: rgba(16,185,129,0.12);
  border: 1px solid rgba(16,185,129,0.25);
  border-radius: 50%;
  margin-top: 2px;
}
.check-icon svg { color: var(--success); }

.offer-visual {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 44px;
  position: relative;
  overflow: hidden;
}
.offer-visual::before {
  content: '';
  position: absolute;
  top: -120px; right: -120px;
  width: 350px; height: 350px;
  background: radial-gradient(circle, rgba(59,130,246,0.09) 0%, transparent 70%);
  pointer-events: none;
}
.offer-visual-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 28px;
  display: block;
}
.fee-rows { display: flex; flex-direction: column; }
.fee-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}
.fee-row:last-child { border-bottom: none; padding-bottom: 0; }
.fee-row-label { font-size: 0.875rem; color: var(--text-secondary); }
.fee-row-val {
  font-weight: 700;
  font-size: 0.9375rem;
}
.fee-row-val.green { color: var(--success); }
.fee-row-val.blue  { color: var(--accent); }
.fee-highlight {
  margin-top: 28px;
  padding: 20px;
  background: rgba(59,130,246,0.07);
  border: 1px solid rgba(59,130,246,0.18);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.6;
}
.fee-highlight strong { color: var(--text-primary); }

/* ============================================
   Who It's For
   ============================================ */
.criteria-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.criteria-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 36px;
  transition: all 0.3s;
}
.criteria-card:hover { border-color: rgba(59,130,246,0.3); background: var(--bg-card-hover); }
.criteria-card.not-for { border-color: rgba(239,68,68,0.1); }
.criteria-card.not-for:hover { border-color: rgba(239,68,68,0.25); }
.criteria-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 22px;
}
.criteria-label.yes  { color: var(--success); }
.criteria-label.no   { color: var(--danger); }
.criteria-list { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.criteria-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.5;
}
.criteria-list.yes-list li::before { content: '✓'; color: var(--success); font-weight: 800; min-width: 14px; }
.criteria-list.no-list  li::before { content: '✕'; color: var(--danger);  font-weight: 800; min-width: 14px; }

/* ============================================
   Final CTA
   ============================================ */
.cta-section {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border);
  text-align: center;
  padding: 120px 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -200px; left: 50%;
  transform: translateX(-50%);
  width: 800px; height: 500px;
  background: radial-gradient(ellipse, rgba(59,130,246,0.1) 0%, transparent 70%);
  pointer-events: none;
}
.cta-section h2  { max-width: 680px; margin: 0 auto 20px; }
.cta-section > .container > p { max-width: 480px; margin: 0 auto 40px; font-size: 1.0625rem; }

/* ============================================
   Footer
   ============================================ */
footer {
  background: var(--bg-primary);
  border-top: 1px solid var(--border);
  padding: 48px 0;
}
.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 24px;
}
.footer-brand .footer-logo {
  font-size: 1.25rem;
  font-weight: 900;
  letter-spacing: -0.05em;
  display: block;
}
.footer-brand .footer-logo span { color: var(--accent); }
.footer-tagline { font-size: 0.8rem; color: var(--text-muted); margin-top: 4px; display: block; }
.footer-links { display: flex; gap: 20px; list-style: none; flex-wrap: wrap; }
.footer-links a { font-size: 0.85rem; color: var(--text-muted); transition: color 0.2s; }
.footer-links a:hover { color: var(--text-secondary); }
.footer-copy { font-size: 0.78rem; color: var(--text-muted); }

/* ============================================
   Inner Page — Hero
   ============================================ */
.page-hero {
  padding: 76px 0 80px;
  border-bottom: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -150px; left: 50%;
  transform: translateX(-50%);
  width: 800px; height: 450px;
  background: radial-gradient(ellipse, rgba(59,130,246,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero h1 { font-size: clamp(2rem, 4vw, 3.25rem); max-width: 720px; margin-bottom: 18px; }
.page-hero p  { font-size: 1.0625rem; max-width: 580px; }

/* ============================================
   How It Works Page — Process Steps
   ============================================ */
.process-steps { display: flex; flex-direction: column; }
.process-step {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 36px;
  padding: 56px 0;
  border-bottom: 1px solid var(--border);
  align-items: start;
}
.process-step:last-child { border-bottom: none; }
.process-step-num {
  font-size: 3.25rem;
  font-weight: 900;
  color: rgba(59,130,246,0.18);
  letter-spacing: -0.04em;
  line-height: 1;
  padding-top: 2px;
}
.process-step-content h3 { margin-bottom: 12px; font-size: 1.4rem; }
.process-step-content > p { margin-bottom: 0; }
.step-detail-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 24px;
}
.detail-chip {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 0.8125rem;
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  gap: 8px;
  transition: border-color 0.2s;
}
.detail-chip:hover { border-color: rgba(59,130,246,0.2); }
.detail-chip::before {
  content: '';
  width: 5px; height: 5px;
  background: var(--accent);
  border-radius: 50%;
  min-width: 5px;
  opacity: 0.7;
}

/* ============================================
   Timeline
   ============================================ */
.timeline-wrapper {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.timeline { display: flex; flex-direction: column; position: relative; }
.timeline::before {
  content: '';
  position: absolute;
  left: 19px; top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--accent) 0%, rgba(59,130,246,0.1) 100%);
}
.timeline-item {
  display: grid;
  grid-template-columns: 40px 1fr;
  gap: 28px;
  padding-bottom: 40px;
  align-items: start;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-dot {
  width: 40px; height: 40px;
  background: var(--bg-secondary);
  border: 2px solid var(--accent);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--accent);
  z-index: 1;
  position: relative;
  flex-shrink: 0;
}
.timeline-content { padding-top: 8px; }
.timeline-day {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  display: block;
  margin-bottom: 6px;
}
.timeline-content h4 { margin-bottom: 6px; }

/* Stat Cards */
.stat-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.stat-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  text-align: center;
  transition: border-color 0.3s;
}
.stat-card:hover { border-color: rgba(59,130,246,0.25); }
.stat-num {
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--accent);
  letter-spacing: -0.04em;
  display: block;
  margin-bottom: 6px;
}
.stat-label { font-size: 0.85rem; color: var(--text-secondary); }

/* ============================================
   The Offer Page — Comparison Table
   ============================================ */
.table-wrapper { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.comparison-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  min-width: 560px;
}
.comparison-table thead th {
  padding: 20px 28px;
  text-align: left;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--text-secondary);
  background: var(--bg-card);
  border-bottom: 1px solid var(--border);
}
.comparison-table thead th:nth-child(2) {
  background: rgba(59,130,246,0.1);
  color: var(--accent);
}
.comparison-table thead th:nth-child(2) .th-sub {
  display: block;
  font-size: 0.7rem;
  color: rgba(59,130,246,0.6);
  text-transform: none;
  letter-spacing: 0;
  font-weight: 500;
  margin-top: 2px;
}
.comparison-table tbody td {
  padding: 18px 28px;
  font-size: 0.9375rem;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
  vertical-align: middle;
}
.comparison-table tbody tr:last-child td { border-bottom: none; }
.comparison-table tbody td:first-child { font-weight: 500; color: var(--text-primary); }
.comparison-table tbody td:nth-child(2) {
  background: rgba(59,130,246,0.04);
  font-weight: 600;
  color: var(--text-primary);
}
.comparison-table .c-check { color: var(--success); font-weight: 700; }
.comparison-table .c-cross { color: var(--danger); }
.comparison-table .c-gold  { color: var(--gold); font-weight: 700; }

/* ============================================
   FAQ Accordion
   ============================================ */
.faq-list { display: flex; flex-direction: column; gap: 3px; }
.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item.open { border-color: rgba(59,130,246,0.28); }
.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 22px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  text-align: left;
  color: var(--text-primary);
  font-size: 0.9875rem;
  font-weight: 600;
  gap: 16px;
  transition: color 0.2s;
  font-family: inherit;
}
.faq-question:hover { color: var(--accent); }
.faq-icon {
  width: 26px; height: 26px;
  min-width: 26px;
  background: rgba(59,130,246,0.08);
  border: 1px solid rgba(59,130,246,0.2);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--accent);
  font-size: 1.25rem;
  font-weight: 300;
  line-height: 1;
  transition: transform 0.3s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-item.open .faq-answer { max-height: 600px; }
.faq-answer-inner {
  padding: 2px 28px 24px;
  color: var(--text-secondary);
  font-size: 0.9375rem;
  line-height: 1.78;
}

/* ============================================
   Risk Reversal Box
   ============================================ */
.risk-box {
  background: linear-gradient(135deg, rgba(16,185,129,0.05) 0%, rgba(59,130,246,0.05) 100%);
  border: 1px solid rgba(16,185,129,0.18);
  border-radius: var(--radius-lg);
  padding: 72px 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.risk-box::before {
  content: '';
  position: absolute;
  top: -120px; left: 50%;
  transform: translateX(-50%);
  width: 450px; height: 300px;
  background: radial-gradient(ellipse, rgba(16,185,129,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.risk-icon {
  width: 68px; height: 68px;
  background: rgba(16,185,129,0.1);
  border: 1px solid rgba(16,185,129,0.25);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  font-size: 2rem;
}
.risk-box h2 { margin-bottom: 16px; }
.risk-box p  { max-width: 500px; margin: 0 auto 36px; font-size: 1.0625rem; }

/* ============================================
   Apply Page — Form
   ============================================ */
.apply-layout {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 64px;
  align-items: start;
}
.apply-sidebar { position: sticky; top: calc(var(--nav-height) + 32px); }
.sidebar-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px;
  margin-bottom: 20px;
}
.sidebar-card h3 { margin-bottom: 12px; font-size: 1.1rem; }
.sidebar-card p  { font-size: 0.875rem; }
.sidebar-accept-list { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
.sidebar-accept-list li {
  display: flex; gap: 10px;
  font-size: 0.875rem;
  color: var(--text-secondary);
  align-items: flex-start;
}
.sidebar-accept-list li::before { content: '✓'; color: var(--success); font-weight: 700; min-width: 14px; }
.apply-form { display: flex; flex-direction: column; gap: 22px; }
.form-group { display: flex; flex-direction: column; gap: 7px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  letter-spacing: -0.01em;
}
label span { color: var(--text-muted); font-weight: 400; }

input[type="text"],
input[type="email"],
input[type="url"],
input[type="tel"],
select,
textarea {
  background: var(--bg-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 13px 16px;
  color: var(--text-primary);
  font-size: 0.9375rem;
  font-family: inherit;
  width: 100%;
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  -webkit-appearance: none;
}
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238b98b0' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
  cursor: pointer;
}
textarea { resize: vertical; min-height: 96px; }
input:focus, select:focus, textarea:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(59,130,246,0.12);
}
input::placeholder, textarea::placeholder { color: var(--text-muted); }
select option { background: var(--bg-card); color: var(--text-primary); }

.form-submit { margin-top: 8px; }
.form-submit .btn { width: 100%; justify-content: center; padding: 18px; font-size: 1rem; }
.form-disclaimer { font-size: 0.8rem; color: var(--text-muted); text-align: center; margin-top: 12px; }

.form-success {
  display: none;
  text-align: center;
  padding: 64px 32px;
  background: var(--bg-card);
  border: 1px solid rgba(16,185,129,0.2);
  border-radius: var(--radius-lg);
}
.form-success .success-icon {
  font-size: 3rem;
  margin-bottom: 20px;
  display: block;
}
.form-success h3 { margin-bottom: 12px; }

/* ============================================
   Highlight Box
   ============================================ */
.highlight-box {
  background: rgba(59,130,246,0.05);
  border: 1px solid rgba(59,130,246,0.18);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin: 28px 0;
}
.highlight-box p { font-size: 0.9375rem; }

/* ============================================
   Scroll Animations
   ============================================ */
.fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.fade-in {
  opacity: 0;
  transition: opacity 0.65s ease;
}
.slide-left {
  opacity: 0;
  transform: translateX(-28px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.slide-right {
  opacity: 0;
  transform: translateX(28px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.fade-up.visible,
.fade-in.visible,
.slide-left.visible,
.slide-right.visible { opacity: 1; transform: none; }

.d1 { transition-delay: 0.08s; }
.d2 { transition-delay: 0.16s; }
.d3 { transition-delay: 0.24s; }
.d4 { transition-delay: 0.32s; }
.d5 { transition-delay: 0.40s; }

/* ============================================
   Responsive
   ============================================ */
@media (max-width: 1024px) {
  .offer-grid  { grid-template-columns: 1fr; gap: 48px; }
  .apply-layout { grid-template-columns: 1fr; }
  .apply-sidebar { position: static; }
  .stat-cards { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  :root { --section-pad: 76px 0; --nav-height: 64px; }
  .nav-links, .nav-right { display: none; }
  .nav-mobile-toggle { display: block; }
  .steps-grid { grid-template-columns: 1fr; gap: 2px; }
  .step-card:first-child { border-radius: var(--radius-lg) var(--radius-lg) 0 0; }
  .step-card:last-child  { border-radius: 0 0 var(--radius-lg) var(--radius-lg); }
  .criteria-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .process-step { grid-template-columns: 1fr; gap: 12px; }
  .step-detail-grid { grid-template-columns: 1fr; }
  .proof-bar-inner { flex-direction: column; }
  .proof-stat { border-right: none; border-bottom: 1px solid var(--border); justify-content: flex-start; }
  .proof-stat:last-child { border-bottom: none; }
  .stat-cards { grid-template-columns: 1fr 1fr; }
  .footer-inner { flex-direction: column; text-align: center; }
  .footer-links { justify-content: center; }
  .risk-box { padding: 48px 24px; }
  .comparison-table thead th,
  .comparison-table tbody td { padding: 14px 16px; font-size: 0.85rem; }
  .hero-ctas { flex-direction: column; align-items: flex-start; }
  .timeline::before { left: 19px; }
}

@media (max-width: 520px) {
  .container { padding: 0 16px; }
  .stat-cards { grid-template-columns: 1fr; }
  .proof-stat { padding: 14px 16px; }
  .step-card { padding: 36px 24px; }
  .offer-visual { padding: 28px; }
  .risk-box { padding: 40px 20px; }
  .faq-question { padding: 18px 20px; }
  .faq-answer-inner { padding: 2px 20px 20px; }
}