/* ============================================================
   FRESH WIND CASHNET FINANCE CC — MASTER STYLESHEET
   All visual decisions live here. Zero inline styles in HTML.
   ============================================================ */

/* ── DESIGN TOKENS ─────────────────────────────────────────── */
:root {
  /* Primary Colors */
  --green:        #1a7a4a;
  --green-dark:   #0f5233;
  --green-mid:    #2d9b63;
  --green-light:  #e8f5ee;

  --blue:         #1b4f8a;
  --blue-light:   #e8f0fa;

  --gold:         #c8991a;
  --gold-light:   #fdf6e3;

  --wa:           #25D366;
  --wa-dark:      #1da851;

  --white:        #ffffff;
  --off-white:    #f8fafc;

  /* Text */
  --text:         #1a2332;
  --text-muted:   #5a6880;

  /* Borders */
  --border:       #dde5ef;

  /* RGB Tokens (for rgba usage) */
  --green-rgb:    26, 122, 74;
  --blue-rgb:     27, 79, 138;
  --gold-rgb:     200, 153, 26;
  --wa-rgb:       37, 211, 102;
  --black-rgb:    0, 0, 0;

  /* Alpha scale */
  --alpha-04:  0.04;
  --alpha-08:  0.08;
  --alpha-10:  0.10;
  --alpha-12:  0.12;
  --alpha-16:  0.16;
  --alpha-18:  0.18;
  --alpha-20:  0.20;
  --alpha-22:  0.22;
  --alpha-25:  0.25;
  --alpha-30:  0.30;
  --alpha-35:  0.35;
  --alpha-40:  0.40;
  --alpha-50:  0.50;
  --alpha-55:  0.55;

  /* Shadows */
  --shadow-sm:        0 2px 8px rgba(var(--blue-rgb), 0.08);
  --shadow:           0 4px 24px rgba(var(--blue-rgb), 0.10);
  --shadow-lg:        0 12px 48px rgba(var(--blue-rgb), 0.16);
  --shadow-green-sm:  0 2px 8px rgba(var(--green-rgb), 0.40);

  /* Radius */
  --radius:       12px;
  --radius-lg:    20px;

  /* Footer */
  --footer-bg:    #0d3d26;

  --white-rgb: 255, 255, 255;

  /* White transparencies */
  --white-alpha-12: rgba(var(--white-rgb), 0.12);
  --white-alpha-25: rgba(var(--white-rgb), 0.25);

  /* Z-index scale */
  --z-base:       1;
  --z-raised:    10;
  --z-dropdown:  100;
  --z-sticky:    200;
  --z-overlay:   300;
  --z-modal:     400;
  --z-toast:     500;

  /* Transitions */
  --transition-base: 250ms ease;

  /* Extended palette tokens */
  --gold-hover:        #a07a10;
  --blue-deep:         #163d6e;
  --blue-accent:       #1a6fc4;
  --blue-accent-hover: #155aa0;
  --blue-navy:         #1a3a5c;
  --green-wa-bg:       #e7faf0;
  --green-wa-border:   #b3e6c8;
  --success-bg:        #e6f4ea;
  --success-text:      #1e6b38;
  --success-border:    #a8d5b5;
  --error-bg:          #fdecea;
  --error-text:        #a61c00;
  --error-border:      #f5a9a3;
  --error-strong:      #c00000;
  --warning-bg:        #fff3cd;
  --warning-border:    #f0ad00;
  --warning-text:      #7a5c00;
  --ewallet-text:      #7a5800;
  --danger-hover:      #c0392b;
  --neutral-bg:        #f0f0f0;
  --neutral-bg-hover:  #e0e0e0;
  --neutral-text:      #333333;
  --neutral-muted:     #555555;
  --neutral-subtle:    #999999;
}

/* ── RESET ──────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html  { scroll-behavior: smooth; font-size: 16px; }
body  { font-family: 'DM Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; color: var(--text); background: var(--white); line-height: 1.6; overflow-x: hidden; }
h1, h2, h3, h4, h5 { font-family: 'Playfair Display', Georgia, 'Times New Roman', serif; line-height: 1.2; }
a     { text-decoration: none; color: inherit; }
img   { max-width: 100%; display: block; }
ul    { list-style: none; }
p     { line-height: 1.7; }

/* ── LAYOUT UTILITIES ──────────────────────────────────────── */
.container    { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section      { padding: 80px 0; }
.section-alt  { padding: 80px 0; background: var(--off-white); }
.section-blue { padding: 56px 0; background: var(--blue); }
.section-green-grad { padding: 56px 0; background: linear-gradient(135deg, var(--green-dark), var(--green)); }
.section-sm   { padding: 48px 0; }
.section-sm-alt { padding: 48px 0; background: var(--off-white); }
.text-center  { text-align: center; }
.sr-only      { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }

/* ── TYPOGRAPHY COMPONENTS ─────────────────────────────────── */
.section-label {
  display: block;
  font-size: 12px; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 10px;
}
.section-title {
  font-size: clamp(26px, 4vw, 42px);
  color: var(--text); margin-bottom: 16px;
}
.section-title span { color: var(--green); }
.section-title--white       { color: var(--white); }
.section-title--white span  { color: var(--gold); }
.section-sub {
  font-size: 17px; color: var(--text-muted);
  max-width: 560px; margin: 0 auto 48px;
}
.section-sub--white { color: rgba(var(--white-rgb), 0.82); }

.body-text       { font-size: 16px; color: var(--text-muted); margin-bottom: 16px; line-height: 1.8; }
.body-text--sm   { font-size: 14px; color: var(--text-muted); line-height: 1.7; }
.body-text--white{ color: rgba(var(--white-rgb), 0.85); margin-bottom: 20px; }
.note-text       { font-size: 13px; color: var(--text-muted); text-align: center; margin-top: 24px; }
.note-text em    { font-style: italic; }
.reg-text        { font-size: 12px; color: rgba(var(--white-rgb), 0.50); margin-top: 6px; }
.strong-green    { color: var(--green); }
.strong-white    { color: var(--white); }

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 26px; border-radius: 8px;
  font-family: 'DM Sans', system-ui, sans-serif; font-size: 15px; font-weight: 600;
  cursor: pointer; border: none; transition: all .22s ease;
  white-space: nowrap; text-decoration: none;
}
.btn-primary  { background: var(--green);  color: var(--white); box-shadow: 0 4px 16px rgba(var(--green-rgb), 0.30); }
.btn-primary:hover  { background: var(--green-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(var(--green-rgb), 0.35); }
.btn-gold     { background: var(--gold);   color: var(--white); box-shadow: 0 4px 16px rgba(var(--gold-rgb), 0.30); }
.btn-gold:hover     { background: var(--gold-hover); transform: translateY(-2px); }
.btn-blue     { background: var(--blue);   color: var(--white); box-shadow: 0 4px 16px rgba(var(--blue-rgb), 0.30); }
.btn-blue:hover     { background: var(--blue-deep); transform: translateY(-2px); }
.btn-wa       { background: var(--wa);     color: var(--white); box-shadow: 0 4px 16px rgba(var(--wa-rgb), 0.30); }
.btn-wa:hover       { background: var(--wa-dark); transform: translateY(-2px); }
.btn-outline  { background: transparent;  color: var(--green); border: 2px solid var(--green); }
.btn-outline:hover  { background: var(--green); color: var(--white); }
.btn-outline-white  { background: transparent; color: var(--white); border: 2px solid rgba(var(--white-rgb), 0.50); }
.btn-outline-white:hover { background: rgba(var(--white-rgb), 0.12); }
.btn--lg      { font-size: 16px; padding: 16px 34px; }
.btn--full    { width: 100%; }
.btn--submit  { font-size: 16px; padding: 18px; width: 100%; justify-content: center; }

/* ── NAVBAR ─────────────────────────────────────────────────── */
.navbar {
  position: sticky; top: 0; z-index: var(--z-sticky);
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s;
}
.navbar.scrolled { box-shadow: 0 4px 24px rgba(var(--blue-rgb), 0.12); }
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 24px; max-width: 1160px; margin: 0 auto;
}
.nav-logo img   { height: 52px; width: auto; object-fit: contain; }
.nav-links      { display: flex; align-items: center; gap: 4px; }
.nav-links a    { font-size: 14px; font-weight: 500; color: var(--text-muted); padding: 8px 14px; border-radius: 8px; transition: all .18s; }
.nav-links a:hover,
.nav-links a.active { color: var(--green); background: var(--green-light); }
.nav-cta        { display: flex; gap: 10px; align-items: center; }
.hamburger      { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; border: none; background: none; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text); border-radius: 2px; transition: .3s; }

/* ── PAGE HERO (inner pages) ─────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--green-dark), var(--blue));
  padding: 56px 0; text-align: center;
}
.page-hero h1  { color: var(--white); font-size: clamp(26px, 4vw, 44px); margin-bottom: 10px; }
.page-hero p   { color: rgba(var(--white-rgb), 0.80); font-size: 17px; }
.breadcrumb    { display: flex; align-items: center; gap: 8px; justify-content: center; margin-bottom: 14px; font-size: 13px; color: rgba(var(--white-rgb), 0.55); }
.breadcrumb a  { color: rgba(var(--white-rgb), 0.70); transition: color .18s; }
.breadcrumb a:hover { color: var(--gold); }

/* ── HERO (homepage) ────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--green-dark) 0%, var(--green) 50%, var(--green-mid) 100%);
  position: relative; overflow: hidden; padding: 52px 0 64px;
}
.hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  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='%23ffffff' fill-opacity='0.04'%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/svg%3E");
}
.hero-inner {
  position: relative; z-index: var(--z-base);
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px;
  align-items: start; max-width: 1160px; margin: 0 auto; padding: 0 24px;
}
.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;

  background: var(--white-alpha-12);
  color: var(--white);

  font-size: 11px;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;

  padding: 7px 14px 7px 8px;
  border-radius: 100px;
  border: 1px solid var(--white-alpha-25);

  margin-bottom: 14px;
}
.hero-tag-logo { height: 24px; width: auto; border-radius: 4px; }
.hero h1            { font-size: clamp(30px, 5vw, 54px); color: var(--white); margin-bottom: 12px; }
.hero h1 span       { color: var(--gold); }
.hero-sub           { font-size: 17px; color: rgba(var(--white-rgb), 0.85); margin-bottom: 28px; }
.hero-btns          { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-stats         { display: flex; gap: 20px; flex-wrap: wrap; }
.hero-stat-num      { font-size: 24px; font-weight: 700; color: var(--gold); font-family: 'Playfair Display', serif; }
.hero-stat-divider  { font-size: 24px; color: rgba(var(--white-rgb), 0.20); align-self: center; }
.hero-stat-label    { font-size: 12px; color: rgba(var(--white-rgb), 0.70); }

/* ── TRUST BAR ──────────────────────────────────────────────── */
.trust-bar         { background: var(--blue); padding: 14px 0; }
.trust-items       { display: flex; flex-wrap: wrap; gap: 6px; justify-content: center; align-items: center; }
.trust-item        { display: flex; align-items: center; gap: 8px; color: rgba(var(--white-rgb), 0.90); font-size: 14px; font-weight: 500; padding: 4px 14px; }
.trust-item-icon   { width: 20px; height: 20px; object-fit: contain; }
.trust-divider     { width: 1px; height: 20px; background: rgba(var(--white-rgb), 0.20); }

/* ── LOAN CALCULATOR ────────────────────────────────────────── */
.calc-card           { background: var(--white); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow-lg); }
.calc-card-header    { margin-bottom: 24px; }
.calc-card-header h3 { font-size: 22px; color: var(--text); margin-bottom: 4px; display: flex; align-items: center; gap: 10px; }
.calc-card-header p  { font-size: 14px; color: var(--text-muted); }
.range-label         { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.range-label span    { font-size: 13px; color: var(--text-muted); }
.range-label strong  { font-size: 22px; color: var(--green); font-weight: 700; }
.range-minmax        { display: flex; justify-content: space-between; font-size: 12px; color: var(--text-muted); margin-top: -16px; margin-bottom: 22px; }
input[type="range"] {
  width: 100%; height: 6px; -webkit-appearance: none; appearance: none;
  background: var(--border); border-radius: 3px; outline: none; cursor: pointer; margin-bottom: 4px;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--green);
  box-shadow: var(--shadow-green-sm);
  cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--green);
  border: none;
  box-shadow: var(--shadow-green-sm);
}
.calc-breakdown { background: var(--off-white); border-radius: var(--radius); padding: 18px; margin-bottom: 16px; }
.calc-row        { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; border-bottom: 1px solid var(--border); }
.calc-row:last-child { border-bottom: none; }
.calc-row span   { font-size: 14px; color: var(--text-muted); }
.calc-row strong { font-size: 15px; font-weight: 600; color: var(--text); }
.calc-total         { background: var(--green); border-radius: var(--radius); padding: 16px 18px; text-align: center; margin-bottom: 10px; }
.calc-total-label   { font-size: 13px; color: rgba(var(--white-rgb), 0.80); margin-bottom: 4px; }
.calc-total-amount  { font-size: 30px; font-weight: 700; color: var(--white); font-family: 'Playfair Display', serif; }
.calc-disclaimer    { font-size: 11px; color: var(--text-muted); text-align: center; margin-bottom: 14px; }
.calc-prefilled     { animation: calcPulse .7s ease; }
@keyframes calcPulse { 0%,100%{box-shadow:var(--shadow-lg)} 50%{box-shadow:0 0 0 6px rgba(var(--green-rgb), 0.22),var(--shadow-lg)} }

/* Pre-filled notice (apply page) */
.prefilled-notice {
  display: none; align-items: center; gap: 10px;
  background: var(--green-light); border: 1px solid var(--green);
  border-radius: var(--radius); padding: 12px 16px;
  margin-bottom: 20px; font-size: 14px; color: var(--green-dark); font-weight: 500;
}
.prefilled-notice.visible { display: flex; }

/* ── FEATURE CARDS ──────────────────────────────────────────── */
.features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 22px; }
.feature-card  {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 28px 24px;
  position: relative; overflow: hidden; transition: all .22s;
}
.feature-card::before {
  content: ''; position: absolute; top: 0; left: 0;
  width: 4px; height: 100%; background: var(--green);
  transform: scaleY(0); transform-origin: bottom; transition: transform .22s;
}
.feature-card:hover { box-shadow: var(--shadow); border-color: var(--green); transform: translateY(-4px); }
.feature-card:hover::before { transform: scaleY(1); }
.feature-icon      { width: 44px; height: 44px; object-fit: contain; margin-bottom: 14px; }
.feature-card h4   { font-size: 17px; margin-bottom: 8px; }
.feature-card p    { font-size: 14px; color: var(--text-muted); }

/* ── HOW IT WORKS ────────────────────────────────────────────── */
.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 32px; }
.step-card  { text-align: center; position: relative; }
.step-card:not(:last-child)::after { content: '→'; position: absolute; right: -16px; top: 22px; font-size: 22px; color: var(--border); }
.step-num   { width: 52px; height: 52px; border-radius: 50%; background: var(--green); color: var(--white); font-size: 20px; font-weight: 700; font-family: 'Playfair Display', Georgia, serif; display: flex; align-items: center; justify-content: center; margin: 0 auto 14px; box-shadow: 0 4px 16px rgba(var(--green-rgb), 0.30); }
.step-icon  { width: 36px; height: 36px; object-fit: contain; margin: 0 auto 12px; }
.step-card h4 { font-size: 17px; margin-bottom: 8px; }
.step-card p  { font-size: 14px; color: var(--text-muted); }

/* ── FEE CARDS ───────────────────────────────────────────────── */
.fees-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 22px; }
.fee-card  {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 28px 22px; text-align: center;
  border: 2px solid var(--border); transition: all .22s;
}
.fee-card:hover { border-color: var(--gold); transform: translateY(-3px); box-shadow: var(--shadow); }
.fee-icon       { width: 44px; height: 44px; object-fit: contain; margin: 0 auto 12px; }
.fee-amount     { font-size: 30px; font-weight: 800; color: var(--green); font-family: 'Playfair Display', serif; margin-bottom: 6px; }
.fee-label      { font-size: 15px; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.fee-desc       { font-size: 13px; color: var(--text-muted); line-height: 1.5; }

/* Disbursement method callout */
.disburse-grid  { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 28px; }
.disburse-card  { border-radius: var(--radius); padding: 20px; border: 2px solid var(--border); }
.disburse-card--free   { background: var(--green-light); border-color: var(--green); }
.disburse-card--fee    { background: var(--gold-light);  border-color: var(--gold); }
.disburse-badge { display: inline-flex; align-items: center; gap: 5px; font-size: 11px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 3px 10px; border-radius: 100px; margin-bottom: 8px; }
.disburse-badge--free  { background: var(--green); color: var(--white); }
.disburse-badge--fee   { background: var(--gold);  color: var(--white); }
.disburse-card h5      { font-size: 15px; margin-bottom: 5px; }
.disburse-card p       { font-size: 13px; color: var(--text-muted); }

/* ── REQUIREMENTS LIST ───────────────────────────────────────── */
.req-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 14px; }
.req-item {
  display: flex; align-items: flex-start; gap: 14px;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 18px 20px;
  transition: box-shadow .2s;
}
.req-item:hover { box-shadow: var(--shadow-sm); }
.req-icon      { width: 28px; height: 28px; object-fit: contain; flex-shrink: 0; margin-top: 1px; }
.req-text h5   { font-size: 15px; font-weight: 600; margin-bottom: 3px; }
.req-text p    { font-size: 13px; color: var(--text-muted); }

/* ── CTA BAND ────────────────────────────────────────────────── */
.cta-band     { background: linear-gradient(135deg, var(--blue) 0%, var(--green-dark) 100%); padding: 72px 0; }
.cta-band h2  { font-size: clamp(24px, 4vw, 40px); }
.cta-btns     { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 28px; }
.cta-sub      { font-size: 17px; margin-top: 10px; }

/* ── FAQ ──────────────────────────────────────────────────────── */
.faq-list    { max-width: 720px; margin: 0 auto; }
.faq-item    { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; margin-bottom: 10px; }
.faq-q       { padding: 18px 20px; font-size: 15px; font-weight: 600; cursor: pointer; display: flex; justify-content: space-between; align-items: center; background: var(--white); transition: background .18s; gap: 12px; }
.faq-q:hover { background: var(--green-light); }
.faq-q.open  { background: var(--green); color: var(--white); }
.faq-icon    { font-size: 20px; flex-shrink: 0; transition: transform .3s; }
.faq-q.open .faq-icon { transform: rotate(45deg); }
.faq-a       { display: none; padding: 16px 20px; font-size: 14px; color: var(--text-muted); line-height: 1.75; background: var(--off-white); border-top: 1px solid var(--border); }
.faq-a.open  { display: block; }
.faq-footer  { text-align: center; margin-top: 28px; }
.faq-footer p { font-size: 14px; color: var(--text-muted); margin-bottom: 14px; }

/* ── CONTACT PAGE ────────────────────────────────────────────── */
.contact-grid  { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-card  { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; }
.contact-item  { display: flex; gap: 14px; margin-bottom: 22px; align-items: flex-start; }
.contact-item:last-child { margin-bottom: 0; }
.contact-icon  { width: 44px; height: 44px; border-radius: 10px; background: var(--green-light); flex-shrink: 0; display: flex; align-items: center; justify-content: center; overflow: visible; }
.contact-icon img { width: 28px; height: 28px; object-fit: contain; flex-shrink: 0; }
.contact-item h5   { font-family: 'DM Sans', sans-serif; font-size: 12px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 4px; }
.contact-item p,
.contact-item a    { font-size: 15px; color: var(--text); font-weight: 500; }
.contact-item a:hover { color: var(--green); }
.contact-phones    { display: flex; flex-direction: column; gap: 7px; }
.phone-line        { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.phone-link        { font-size: 15px; font-weight: 700; color: var(--text); }
.phone-tag         { font-size: 11px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 2px 8px; border-radius: 100px; }
.phone-tag.wa      { background: var(--green-wa-bg); color: var(--green); border: 1px solid var(--green-wa-border); }
.phone-tag.call    { background: var(--blue-light); color: var(--blue); border: 1px solid rgba(27,79,138,.2); }
.hours-grid        { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 10px; }
.hour-item         { background: var(--off-white); border-radius: 8px; padding: 12px 14px; }
.hour-day          { font-size: 11px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 4px; }
.hour-time         { font-size: 15px; font-weight: 600; color: var(--text); }
.contact-note      { font-size: 12px; color: var(--text-muted); margin-top: 10px; line-height: 1.5; }
.map-box           { background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; margin-top: 20px; text-align: center; }
.map-box-icon      { width: 48px; height: 48px; object-fit: contain; margin: 0 auto 10px; }
.map-box h4        { margin-bottom: 6px; }
.map-box p         { font-size: 14px; color: var(--text-muted); margin-bottom: 14px; }
.apply-cta-box     { border-radius: var(--radius-lg); padding: 28px; margin-top: 20px; text-align: center; background: linear-gradient(135deg, var(--green-dark), var(--green)); }
.apply-cta-box h3  { font-size: 22px; margin-bottom: 8px; }
.apply-cta-box p   { font-size: 15px; margin-bottom: 18px; }

/* ── ABOUT PAGE ──────────────────────────────────────────────── */
.about-grid        { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.about-body        { display: flex; flex-direction: column; gap: 0; }
.about-icon-grid   { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 28px; }
.about-icon-card   { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; }
.about-icon-card .about-card-icon { width: 36px; height: 36px; object-fit: contain; margin-bottom: 10px; }
.about-icon-card h5 { font-size: 15px; margin-bottom: 5px; }
.about-icon-card p  { font-size: 13px; color: var(--text-muted); }
.about-right       { display: flex; flex-direction: column; gap: 20px; }

/* Brand story card */
.brand-story-card  { background: linear-gradient(135deg, var(--green-dark), var(--blue)); border-radius: var(--radius-lg); padding: 40px 32px; text-align: center; }
.brand-story-icon  { width: 64px; height: 64px; object-fit: contain; margin: 0 auto 16px; }
.brand-story-card h3 { font-size: 24px; margin-bottom: 10px; }
.brand-story-card p  { font-size: 15px; }

/* Company reg table */
.reg-table-card    { background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; }
.reg-table-card h4 { font-size: 17px; margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.reg-table         { display: flex; flex-direction: column; }
.reg-row           { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid var(--border); font-size: 14px; }
.reg-row:last-child { border-bottom: none; }
.reg-row span      { color: var(--text-muted); }
.reg-row strong    { font-weight: 600; color: var(--text); text-align: right; }
.reg-row strong.accent { color: var(--green); }
.reg-namfisa-wrap  { margin-top: 16px; text-align: center; }
.namfisa-black-img { height: 44px; width: auto; }

/* Leadership */
.leadership-grid   { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
.leader-card       { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; text-align: center; }
.leader-card--active   { border-color: var(--green); position: relative; }
.leader-in-office-badge {
  position: absolute; top: -11px; right: 16px;
  background: var(--green); color: var(--white);
  font-size: 11px; font-weight: 700; padding: 4px 12px;
  border-radius: 100px; letter-spacing: .04em;
}
.leader-photo-wrap { position: relative; width: 90px; margin: 0 auto 16px; }
.leader-photo-wrap img { width: 90px; height: 90px; border-radius: 50%; object-fit: cover; border: 3px solid var(--border); display: block; }
.leader-online-dot { position: absolute; bottom: 2px; right: 2px; width: 22px; height: 22px; background: var(--green); border-radius: 50%; border: 2px solid var(--white); display: flex; align-items: center; justify-content: center; font-size: 11px; color: var(--white); }
.leader-card h4    { font-size: 18px; margin-bottom: 4px; }
.leader-role       { font-size: 14px; color: var(--text-muted); margin-bottom: 6px; }
.leader-badge      { font-size: 12px; color: var(--green); font-weight: 600; margin-bottom: 0; }
.leader-bio        { font-size: 14px; color: var(--text-muted); margin-top: 12px; line-height: 1.6; }
.leader-footer-tag { margin-top: 14px; padding: 10px; background: var(--green-light); border-radius: 8px; font-size: 12px; color: var(--green-dark); text-align: center; line-height: 1.5; }
.leader-photo-note { font-size: 13px; color: var(--text-muted); text-align: center; margin-top: 20px; font-style: italic; }

/* ── COMPLIANCE BLUE BAND ─────────────────────────────────────── */
.compliance-inner  { max-width: 660px; margin: 0 auto; text-align: center; }
.compliance-namfisa-img { height: 48px; width: auto; margin: 0 auto 16px; }

/* ── APPLY PAGE ───────────────────────────────────────────────── */
.apply-page-grid   { display: grid; grid-template-columns: 1fr 300px; gap: 24px; align-items: start; }
.step-progress     { display: flex; align-items: center; margin-bottom: 32px; }
.step-progress-item { flex: 1; display: flex; flex-direction: column; align-items: center; position: relative; }
.step-progress-item:not(:last-child)::after { content: ''; position: absolute; top: 16px; left: 50%; width: 100%; height: 2px; background: var(--border); z-index: var(--z-base); }
.step-progress-item.done:not(:last-child)::after { background: var(--green); }
.sp-num { width: 32px; height: 32px; border-radius: 50%; background: var(--border); color: var(--text-muted); font-size: 13px; font-weight: 700; display: flex; align-items: center; justify-content: center; position: relative; z-index: var(--z-raised); transition: all .22s; }
.step-progress-item.done  .sp-num { background: var(--green); color: var(--white); }
.step-progress-item.active .sp-num { background: var(--gold); color: var(--white); box-shadow: 0 0 0 4px rgba(200,153,26,.2); }
.sp-label { font-size: 11px; color: var(--text-muted); margin-top: 6px; text-align: center; }
.form-section      { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; margin-bottom: 20px; }
.form-section--alt { background: var(--off-white); }
.form-section h3   { font-size: 18px; margin-bottom: 20px; display: flex; align-items: center; gap: 10px; }
.form-grid         { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group        { display: flex; flex-direction: column; gap: 6px; }
.form-group.full   { grid-column: 1 / -1; }
.form-group label  { font-size: 13px; font-weight: 600; color: var(--text-muted); }
.form-group input,
.form-group select { padding: 12px 14px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 15px; font-family: 'DM Sans', sans-serif; outline: none; transition: border-color .18s; background: var(--white); color: var(--text); width: 100%; }
.form-group input:focus,
.form-group select:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(var(--green-rgb), 0.08); }
.phone-prefix-wrap       { display: flex; align-items: stretch; border: 1.5px solid var(--border); border-radius: 8px; overflow: hidden; transition: border-color .18s; background: var(--white); }
.phone-prefix-wrap:focus-within { border-color: var(--green); box-shadow: 0 0 0 3px rgba(var(--green-rgb), 0.08); }
.phone-prefix            { display: flex; align-items: center; padding: 0 12px; background: var(--off-white); border-right: 1.5px solid var(--border); font-size: 15px; font-weight: 600; color: var(--text-muted); white-space: nowrap; -webkit-user-select: none; user-select: none; }
.phone-prefix-wrap input { border: none; box-shadow: none; border-radius: 0; flex: 1; }

/* Download box */
.download-box      { background: var(--green-light); border: 2px dashed var(--green); border-radius: var(--radius); padding: 28px; text-align: center; margin-bottom: 0; }
.download-box-icon { width: 48px; height: 48px; object-fit: contain; margin: 0 auto 12px; }
.download-box h4   { margin-bottom: 8px; }
.download-box p    { font-size: 14px; color: var(--text-muted); margin-bottom: 16px; }
.download-box-btns { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; }

/* Upload box */
.upload-box        { display: block; background: var(--off-white); border: 2px dashed var(--border); border-radius: var(--radius); padding: 28px; text-align: center; cursor: pointer; transition: all .22s; width: 100%; }
.upload-box:hover  { border-color: var(--green); background: var(--green-light); }
.upload-box input  { display: none; }
.upload-box-icon   { width: 44px; height: 44px; object-fit: contain; margin: 0 auto 10px; transition: all .22s; }
.upload-box h4     { margin-bottom: 6px; }
.upload-box p      { font-size: 13px; color: var(--text-muted); }
.upload-box--confirmed { border-style: solid; border-color: var(--green); background: var(--green-light); }
.upload-box--confirmed .upload-box-icon { filter: none; }
.upload-box--confirmed h4 { color: var(--green-dark); }
.upload-file-count  { display: inline-flex; align-items: center; gap: 6px; background: var(--green); color: var(--white); font-size: 12px; font-weight: 700; padding: 4px 12px; border-radius: 100px; margin-top: 10px; }
.upload-file-list   { display: flex; flex-direction: column; gap: 4px; margin-top: 8px; }
.upload-file-item   { display: flex; align-items: center; justify-content: space-between; gap: 8px; background: var(--white); border: 1px solid var(--border); border-radius: 6px; padding: 5px 10px; }
.upload-file-name   { font-size: 12px; color: var(--green-dark); font-weight: 500; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; max-width: 220px; }
.upload-file-remove { background: none; border: none; cursor: pointer; font-size: 16px; line-height: 1; color: var(--text-muted); padding: 0 2px; flex-shrink: 0; transition: color .15s; }
.upload-file-remove:hover { color: var(--danger-hover); }
.upload-change-hint { font-size: 11px; color: var(--text-muted); margin-top: 6px; }
.sidebar-h4-icon   { width: 20px; height: 20px; object-fit: contain; flex-shrink: 0; }
.upload-or         { text-align: center; font-size: 13px; color: var(--text-muted); margin: 14px 0; }
.whatsapp-submit   { background: var(--green-wa-bg); border: 2px solid var(--wa); border-radius: var(--radius); padding: 20px; text-align: center; }
.whatsapp-submit p { font-size: 13px; color: var(--text-muted); margin-bottom: 12px; }

/* Disbursement selection */
.disburse-select   { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 6px; }
.disburse-option   { border: 2px solid var(--border); border-radius: var(--radius); padding: 16px; cursor: pointer; transition: all .2s; }
.disburse-option input[type="radio"] { display: none; }
.disburse-option:has(input:checked) { border-color: var(--green); background: var(--green-light); }
.disburse-label-icon { width: 28px; height: 28px; object-fit: contain; margin-bottom: 8px; }
.disburse-option h6 { font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 600; margin-bottom: 3px; }
.disburse-option small { font-size: 12px; color: var(--text-muted); }
.ewallet-fee-note  { display: none; margin-top: 10px; gap: 14px; background: var(--gold-light); border: 1px solid rgba(var(--gold-rgb), 0.30); border-radius: var(--radius); padding: 16px 18px; }
.ewallet-fee-note.visible { display: flex; }
.ewallet-fee-note .info-box-icon { width: 22px; height: 22px; object-fit: contain; flex-shrink: 0; margin-top: 1px; }
.ewallet-fee-note p { font-size: 14px; color: var(--ewallet-text); }

/* Sidebar */
.sidebar-card      { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 22px; }
.sidebar-card + .sidebar-card { margin-top: 16px; }
.sidebar-card--green { background: var(--green); border-color: var(--green); }
.sidebar-card h4   { font-size: 16px; margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.sidebar-card--green h4 { color: var(--white); }
.sidebar-req-item  { display: flex; align-items: center; gap: 10px; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 14px; }
.sidebar-req-item:last-child { border-bottom: none; }
.sidebar-check-icon { width: 18px; height: 18px; object-fit: contain; }
.sidebar-help-p    { font-size: 13px; color: var(--text-muted); margin-bottom: 12px; }
.sidebar-contact-links { font-size: 13px; color: var(--text-muted); line-height: 1.8; margin-top: 10px; }
.sidebar-contact-links a { display: flex; align-items: center; gap: 8px; font-weight: 600; padding: 4px 0; }
.sidebar-contact-links a img { width: 16px; height: 16px; object-fit: contain; flex-shrink: 0; }
.sidebar-contact-links a.green-link { color: var(--green); }
.sidebar-contact-links a.blue-link  { color: var(--blue); }
.sidebar-contact-links a.muted-link { color: var(--text-muted); }
.sidebar-contact-links small { display: block; font-size: 11px; padding-left: 24px; margin-top: -2px; margin-bottom: 4px; }
.sidebar-hours-box { background: var(--off-white); border-radius: 8px; padding: 10px 12px; font-size: 13px; }
.sidebar-hours-row { display: flex; justify-content: space-between; padding: 3px 0; }
.sidebar-hours-row span { color: var(--text-muted); }
.sidebar-hours-row strong { font-weight: 600; }
.cost-table        { font-size: 13px; color: rgba(var(--white-rgb), 0.90); line-height: 2.1; }
.cost-row          { display: flex; justify-content: space-between; }
.cost-row--total   { border-top: 1px solid rgba(var(--white-rgb), 0.25); padding-top: 6px; margin-top: 4px; }
.namfisa-badge-box { text-align: center; padding: 16px; background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius-lg); }
.namfisa-badge-img { height: 40px; width: auto; margin: 0 auto 8px; }
.namfisa-badge-text { font-size: 12px; color: var(--text-muted); line-height: 1.5; }

/* Success modal */
.modal-overlay     { display: none; position: fixed; inset: 0; background: rgba(var(--black-rgb), 0.55); z-index: var(--z-modal); align-items: center; justify-content: center; padding: 16px; }
.modal-overlay.open { display: flex; }
.modal-box         { background: var(--white); border-radius: var(--radius-lg); padding: 36px 28px; max-width: 460px; width: 100%; text-align: center; animation: fadeUp .3s ease; }
.modal-icon        { font-size: 56px; margin-bottom: 14px; }
.modal-box h2      { margin-bottom: 10px; }
.modal-box p       { color: var(--text-muted); font-size: 15px; margin-bottom: 24px; }
.modal-btns        { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; }

/* Info / warn boxes */
.info-box      { display: flex; gap: 14px; background: var(--blue-light); border: 1px solid rgba(27,79,138,.2); border-radius: var(--radius); padding: 16px 18px; }
.info-box-icon { width: 22px; height: 22px; object-fit: contain; flex-shrink: 0; margin-top: 1px; }
.info-box p    { font-size: 14px; color: var(--blue); }
.info-box a    { color: var(--blue); text-decoration: underline; }
.warn-box      { background: var(--gold-light); border-color: rgba(200,153,26,.3); }
.warn-box p    { color: var(--ewallet-text); }

/* ── FOOTER ──────────────────────────────────────────────────── */
.footer             { background: var(--footer-bg); color: rgba(var(--white-rgb), 0.80); }
.footer-main        { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding: 56px 0 40px; }
.footer-logo-wrap   { display: inline-block; background: var(--white); border-radius: 10px; padding: 8px 14px; margin-bottom: 16px; box-shadow: 0 2px 12px rgba(var(--black-rgb), 0.20); }
.footer-logo        { height: 44px; width: auto; object-fit: contain; }
.footer-about       { font-size: 14px; line-height: 1.7; margin-bottom: 14px; color: rgba(var(--white-rgb), 0.70); }
.namfisa-seal       { display: flex; align-items: center; gap: 10px; background: rgba(var(--gold-rgb), 0.12); border: 1.5px solid rgba(var(--gold-rgb), 0.40); border-radius: 10px; padding: 8px 14px; }
.namfisa-seal-img   { height: 32px; width: auto; }
.namfisa-seal span  { font-size: 12px; font-weight: 700; color: var(--gold); letter-spacing: .04em; }
.footer-col h5      { font-family: 'DM Sans', sans-serif; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--gold); margin-bottom: 14px; }
.footer-col a       { display: block; font-size: 14px; padding: 3px 0; color: rgba(var(--white-rgb), 0.65); transition: color .18s; }
.footer-col a:hover { color: var(--white); }
.footer-contact-item { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 7px; font-size: 13px; line-height: 1.4; }
.footer-contact-item img { width: 18px; height: 18px; object-fit: contain; flex-shrink: 0; margin-top: 2px; filter: brightness(0) invert(1); opacity: .7; }
.footer-contact-item a   { display: inline; color: rgba(var(--white-rgb), 0.75); transition: color .18s; }
.footer-contact-item a:hover { color: var(--white); }
.footer-contact-item span { line-height: 1.6; }
.footer-bottom      { border-top: 1px solid rgba(var(--white-rgb), 0.10); padding: 20px 0; display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.footer-bottom p    { font-size: 12px; color: rgba(var(--white-rgb), 0.45); }
.namfisa-badge      { display: flex; align-items: center; gap: 8px; background: rgba(var(--white-rgb), 0.08); border: 1px solid rgba(var(--white-rgb), 0.15); border-radius: 8px; padding: 7px 14px; font-size: 12px; font-weight: 600; color: rgba(var(--white-rgb), 0.80); }
.namfisa-badge img  { height: 20px; width: auto; }

/* ── STICKY ACTIONS ──────────────────────────────────────────── */
.sticky-actions { position: fixed; bottom: 24px; right: 24px; z-index: var(--z-overlay); display: flex; flex-direction: column; gap: 10px; }
.sticky-btn     { display: flex; align-items: center; gap: 8px; padding: 12px 20px; border-radius: 100px; font-family: 'DM Sans', system-ui, sans-serif; font-size: 14px; font-weight: 600; color: var(--white); box-shadow: 0 4px 20px rgba(var(--black-rgb), 0.25); cursor: pointer; border: none; text-decoration: none; transition: all .22s; white-space: nowrap; }
.sticky-btn img { width: 18px; height: 18px; object-fit: contain; flex-shrink: 0; filter: brightness(0) invert(1); }
.sticky-wa      { background: var(--wa); }
.sticky-wa:hover   { background: var(--wa-dark); transform: translateY(-2px); }
.sticky-apply   { background: var(--green); }
.sticky-apply:hover { background: var(--green-dark); transform: translateY(-2px); }

/* ── LEGAL PAGES ─────────────────────────────────────────────── */
.legal-content     { max-width: 760px; }
.legal-content h2  { font-size: 22px; margin: 36px 0 12px; color: var(--text); }
.legal-content h2:first-of-type { margin-top: 0; }
.legal-content p   { margin-bottom: 14px; font-size: 15px; color: var(--text-muted); line-height: 1.75; }
.legal-content ul  { margin-bottom: 14px; padding-left: 20px; }
.legal-content ul li { font-size: 15px; color: var(--text-muted); margin-bottom: 8px; list-style: disc; }
.legal-meta        { margin-top: 36px; padding: 16px; background: var(--off-white); border-radius: var(--radius); font-size: 13px; color: var(--text-muted); }
.legal-notice      { display: flex; gap: 14px; background: var(--blue-light); border: 1px solid rgba(27,79,138,.2); border-radius: var(--radius); padding: 18px; margin-bottom: 32px; }
.legal-notice p    { font-size: 14px; color: var(--blue); }

/* ── ANIMATIONS ──────────────────────────────────────────────── */
@keyframes fadeUp { from { opacity:0; transform:translateY(20px); } to { opacity:1; transform:translateY(0); } }
.animate { animation: fadeUp .5s ease both; animation-play-state: paused; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .2s; }
.delay-3 { animation-delay: .3s; }
.delay-4 { animation-delay: .4s; }

/* ── RESPONSIVE ──────────────────────────────────────────────── */
@media (max-width: 1000px) {
  .footer-main { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .hero-inner          { grid-template-columns: 1fr; }
  .contact-grid        { grid-template-columns: 1fr; }
  .apply-page-grid     { grid-template-columns: 1fr 280px; }
  .about-grid          { grid-template-columns: 1fr; gap: 32px; }
  .about-right         { gap: 16px; }
  .step-card:not(:last-child)::after { display: none; }
  .disburse-grid       { grid-template-columns: 1fr; }
  .disburse-select     { grid-template-columns: 1fr; }
}

@media (max-width: 680px) {
  .apply-page-grid     { grid-template-columns: 1fr; }
  .apply-sidebar       { position: static; top: auto; }
}

@media (max-width: 640px) {
  .container     { padding: 0 16px; }
  .section       { padding: 56px 0; }
  .section-alt   { padding: 56px 0; }
  .section-blue  { padding: 40px 0; }
  .section-green-grad { padding: 40px 0; }
  .section-sm    { padding: 36px 0; }
  .section-sm-alt { padding: 36px 0; }
  .nav-links     { display: none; flex-direction: column; position: absolute; top: 81px; left: 0; right: 0; background: var(--white); padding: 12px 16px; border-bottom: 1px solid var(--border); box-shadow: var(--shadow); gap: 2px; z-index: var(--z-dropdown); }
  .nav-links.open { display: flex; }
  .nav-cta .btn  { display: none; }
  .hamburger     { display: flex; }
  .footer-main   { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-grid     { grid-template-columns: 1fr; }
  .hero-btns     { flex-direction: column; }
  .cta-btns      { flex-direction: column; align-items: center; }
  .steps-grid    { grid-template-columns: 1fr; }
  .hours-grid    { grid-template-columns: 1fr; }
  .about-icon-grid { grid-template-columns: 1fr; }
  .hero-stats    { gap: 12px; }
  .hero h1       { font-size: 28px; }
  .calc-card     { padding: 20px 16px; }
  .page-hero     { padding: 36px 0; }
  .form-section  { padding: 20px 16px; }
  .download-box  { padding: 20px 16px; }
  .upload-box    { padding: 20px 16px; }
  .sp-label      { display: none; }
  .sticky-btn span:last-child { display: none; }
  .leadership-grid { grid-template-columns: 1fr; }
}

@media (max-width: 420px) {
  .fees-grid     { grid-template-columns: 1fr 1fr; }
  .req-grid      { grid-template-columns: 1fr; }
}

/* ── UTILITY CLASSES to replace last inline styles ─────────── */
.hidden           { display: none; }
.btn-icon-inline  { height: 18px; width: 18px; filter: brightness(0) invert(1); vertical-align: middle; }
.btn--mb-sm       { margin-bottom: 12px; }
.btn--contact-wa  { margin-top: 12px; font-size: 13px; padding: 10px 18px; }
.section-h3-icon { width: 28px; height: 28px; object-fit: contain; flex-shrink: 0; }
/* ── APPLY PAGE — FORM NOTICES & SUBMIT ────────────────────── */
#apply-notice               { display: none; padding: 1rem 1.2rem; border-radius: 8px; margin-top: 1rem; font-weight: 600; font-size: 0.97rem; }
#apply-notice.success       { background: var(--success-bg); color: var(--success-text); border: 1px solid var(--success-border); }
#apply-notice.error         { background: var(--error-bg); color: var(--error-text); border: 1px solid var(--error-border); }
.field-error-msg            { color: var(--error-strong); font-size: 0.82rem; margin-top: 3px; display: block; }
#submitBtn .btn-spinner     { display: inline-block; width: 14px; height: 14px; border: 2px solid rgba(var(--white-rgb), 0.40); border-top-color: var(--white); border-radius: 50%; animation: fw-spin 0.7s linear infinite; margin-right: 8px; vertical-align: middle; }
@keyframes fw-spin          { to { transform: rotate(360deg); } }

/* ── UPLOAD PROGRESS BAR ───────────────────────────────────── */
#uploadProgress             { display: none; margin-top: 0.8rem; }
#uploadProgress progress    { width: 100%; height: 8px; border-radius: 4px; accent-color: var(--blue-accent); }
#uploadProgressLabel        { font-size: 0.85rem; color: var(--neutral-muted); margin-top: 0.3rem; }

/* ── hCAPTCHA WIDGET SPACING ───────────────────────────────── */
.h-captcha                  { margin: 1.2rem 0 0.5rem; }

/* ── NAMIBIAN ID ERROR MESSAGE ─────────────────────────────── */
.id-error-msg               { color: var(--error-strong); font-size: 0.82rem; display: none; margin-top: 4px; }

/* ── LOAN REPAYMENT SIDEBAR CARD ───────────────────────────── */
.repayment-card             { border-top: 3px solid var(--blue); margin-bottom: 1.5rem; }
.repayment-card h4          { display: flex; align-items: center; gap: 0.5rem; margin-top: 0; }
.repayment-desc             { font-size: 0.82rem; color: var(--text-muted); margin: 0 0 0.9rem; line-height: 1.5; }
.repayment-table            { width: 100%; font-size: 0.88rem; display: table; border-collapse: collapse; }
.repayment-row              { display: table-row; }
.repayment-row:not(:last-child) { border-bottom: 1px solid var(--border); }
.repayment-label            { display: table-cell; padding: 6px 4px; color: var(--text-muted); width: 45%; }
.repayment-value            { display: table-cell; padding: 6px 4px; font-weight: 700; color: var(--blue-navy); }
.repayment-value--mono      { letter-spacing: 0.04em; }
.repayment-warning          { margin-top: 1rem; padding: 0.7rem 0.9rem; background: var(--warning-bg); border-radius: 7px; border-left: 4px solid var(--warning-border); }
.repayment-warning p        { margin: 0; font-size: 0.82rem; color: var(--warning-text); font-weight: 600; line-height: 1.5; }
.btn--mt-sm                 { margin-top: 0.9rem; display: flex; }

/* ── DOCUMENT WARNING MODAL ─────────────────────────────────── */
.doc-warn-overlay           { position: fixed; inset: 0; background: rgba(var(--black-rgb), 0.55); z-index: var(--z-modal); display: flex; align-items: center; justify-content: center; padding: 1rem; }
.doc-warn-box               { background: var(--white); border-radius: 14px; max-width: 460px; width: 100%; padding: 2rem; box-shadow: 0 8px 40px rgba(var(--black-rgb), 0.18); text-align: center; }
.doc-warn-icon              { font-size: 2.8rem; margin-bottom: 0.5rem; }
.doc-warn-title             { margin: 0 0 0.7rem; color: var(--blue-navy); font-size: 1.2rem; }
.doc-warn-body              { color: var(--neutral-muted); font-size: 0.95rem; line-height: 1.6; margin: 0 0 1.5rem; }
.doc-warn-btns              { display: flex; gap: 0.75rem; flex-wrap: wrap; justify-content: center; }
.doc-warn-btn-back          { flex: 1; min-width: 140px; padding: 0.75rem 1rem; background: var(--blue-accent); color: var(--white); border: none; border-radius: 8px; font-size: 0.95rem; font-weight: 700; cursor: pointer; }
.doc-warn-btn-back:hover    { background: var(--blue-accent-hover); }
.doc-warn-btn-continue      { flex: 1; min-width: 140px; padding: 0.75rem 1rem; background: var(--neutral-bg); color: var(--neutral-text); border: none; border-radius: 8px; font-size: 0.95rem; font-weight: 600; cursor: pointer; }
.doc-warn-btn-continue:hover { background: var(--neutral-bg-hover); }
.doc-warn-note              { font-size: 0.78rem; color: var(--neutral-subtle); margin: 1rem 0 0; }

/* ── APPLY PAGE LAYOUT ──────────────────────────────────────── */
.apply-main                 { min-width: 0; }
.apply-sidebar              { position: sticky; top: 100px; }

/* ── HONEYPOT FIELDS (hidden from humans, visible to bots) ──── */
.hp-field                   { position: absolute; left: -9999px; top: -9999px; width: 1px; height: 1px; overflow: hidden; }
.visually-hidden            { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

/* ── RESPONSIVE: SIDEBAR STACKS BELOW MAIN ON MOBILE ────────── */

/* ── JS-DRIVEN STATE CLASSES (replaces all inline style= usage) ──
   These classes are toggled by script.js.
   NEVER use el.style.* — always el.classList.add/remove these.
   ─────────────────────────────────────────────────────────────── */

/* Scroll-triggered enter animation — .animate--running added by IntersectionObserver in script.js */
/* Original keyframe + play-state pattern defined above; this class simply resumes it */
.animate.delay-1            { animation-delay: 0.10s; }
.animate.delay-2            { animation-delay: 0.20s; }
.animate.delay-3            { animation-delay: 0.30s; }
.animate--running           { animation-play-state: running; }

/* Upload box drag-over highlight */
.upload-box--dragging       { border-color: var(--green); background: var(--green-light); }

/* Form field states */
.input--invalid             { border-color: var(--error-strong); }
.input--valid               { border-color: var(--success-text); }
.input--autofilled          { background: var(--green-light); }

/* .id-error-msg, .ewallet-fee-note, .hidden — already defined above with correct display values */
/* .animate--running resumes the original keyframe animation (see above) */
.id-error-msg--visible      { display: block; }