@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* =========================================
   VARIABLES & RESET
========================================= */
:root {
  --primary: #075fdc;       /* Clarity Blue */
  --primary-hover: #0e7fff; /* Lighter Blue */
  --dark: #1e2d4d;          /* Clarity Navy (Storm 950) */
  --body: #161616;          /* Neutral 950 */
  --light-bg: #faf5f0;      /* Clarity Wheat 50 (Cream) */
  --accent-bg: #f1f7fd;     /* Clarity Storm 50 (Light Blue Tint) */
  --border: #e5e7eb;
  --white: #FFFFFF;
  --bg-gradient: linear-gradient(180deg, #faf5f0 0%, #FFFFFF 100%);
  --brand-gradient: linear-gradient(135deg, #075fdc 0%, #0d52c0 100%);
  
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
  --radius-md: 0.5rem;   /* 8px */
  --radius-lg: 0.75rem;  /* 12px */
  --radius-xl: 1rem;     /* 16px */
  --radius-2xl: 1.5rem;  /* 24px */
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--body);
  background-color: var(--light-bg);
  line-height: 1.5;
  font-size: 1rem; /* 16px */
  overflow-x: hidden;
}

h1 {
  color: var(--dark);
  font-weight: 700;
  line-height: 1.2;
  font-family: 'Inter', sans-serif;
  font-size: 3rem; /* 48px */
}

h2 {
  color: var(--dark);
  font-weight: 700;
  line-height: 1.25;
  font-family: 'Inter', sans-serif;
  font-size: 2.25rem; /* 36px */
}

h3 {
  color: var(--dark);
  font-weight: 600;
  line-height: 1.4;
  font-family: 'Inter', sans-serif;
  font-size: 1.25rem; /* 20px */
}

h4 {
  color: var(--dark);
  font-weight: 600;
  line-height: 1.4;
  font-family: 'Inter', sans-serif;
  font-size: 1.25rem; /* 20px */
}

.text-white h1, .text-white h2, .text-white h3, .text-white h4, .text-white h5, .text-white h6 {
  color: var(--white);
}

a {
  text-decoration: none;
  color: inherit;
  transition: color 0.2s ease;
}

img, svg, i {
  max-width: 100%;
}

/* =========================================
   UTILITIES
========================================= */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.text-center { text-align: center; }
.text-right { text-align: right; }
.text-white { color: var(--white); }
.text-green-500 { color: var(--primary); }
.text-4xl { font-size: 2.25rem; }
.text-lg { font-size: 1.125rem; }
.font-bold { font-weight: bold; }
.mb-6 { margin-bottom: 1.5rem; }
.mb-10 { margin-bottom: 2.5rem; }
.mb-16 { margin-bottom: 4rem; }
.mt-4 { margin-top: 1rem; }
.mt-6 { margin-top: 1.5rem; }
.mt-10 { margin-top: 2.5rem; }
.mx-auto { margin-left: auto; margin-right: auto; }
.py-20 { padding-top: 5rem; padding-bottom: 5rem; }
.max-w-2xl { max-width: 42rem; }
.max-w-3xl { max-width: 48rem; }
.max-w-4xl { max-width: 56rem; }
.opacity-70 { opacity: 0.7; }
.opacity-80 { opacity: 0.8; }
.w-full { width: 100%; }
.bg-white { background-color: var(--white); }
.bg-light-blue { background-color: var(--accent-bg); }
.bg-dark { background-color: var(--dark); }
.bg-gradient-brand { background: var(--brand-gradient); }
.card-elevated {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.inline-icon { display: inline-block; vertical-align: middle; width: 1.25rem; height: 1.25rem; margin-right: 0.5rem; }
.flex { display: flex; }
.justify-center { justify-content: center; }
.gap-4 { gap: 1rem; }
.flex-wrap { flex-wrap: wrap; }

.section-title {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}
.section-subtitle {
  font-size: 1.125rem;
  color: var(--body);
}

/* =========================================
   BUTTONS
========================================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.625rem 1.25rem;
  border-radius: var(--radius-md);
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s ease;
  border: none;
  font-size: 1rem;
  box-shadow: var(--shadow-sm);
  font-family: 'Inter', sans-serif;
}

.btn-primary {
  background-color: var(--primary);
  color: var(--white);
}

.btn-primary:hover {
  background-color: var(--primary-hover);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-outline {
  background-color: transparent;
  color: var(--dark);
  border: 1px solid var(--border);
}

.btn-outline:hover {
  border-color: var(--dark);
  background-color: var(--light-bg);
}

.btn-outline-white {
  background-color: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.3);
}

.btn-outline-white:hover {
  background-color: rgba(255,255,255,0.1);
  border-color: var(--white);
}

.btn-large {
  padding: 0.875rem 1.75rem;
  font-size: 1.125rem;
}

/* =========================================
   HEADER / NAVIGATION
========================================= */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 72px;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  z-index: 1000;
  border-bottom: 1px solid transparent;
  transition: all 0.3s ease;
}

.navbar.scrolled {
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.logo {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.nav-links {
  display: flex;
  gap: 2rem;
}

.nav-item {
  color: var(--body);
  font-weight: 500;
  font-size: 0.9375rem;
}

.nav-item:hover, .nav-item.active {
  color: var(--primary);
}

.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  color: var(--dark);
  cursor: pointer;
  padding: 0.5rem;
}

.mobile-nav {
  display: none;
  position: absolute;
  top: 72px;
  left: 0;
  width: 100%;
  background-color: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  padding: 1rem;
  flex-direction: column;
  gap: 1rem;
}

.mobile-nav.open {
  display: flex;
}

/* =========================================
   HERO SECTION
========================================= */
.hero-section {
  position: relative;
  padding-top: 120px;
  padding-bottom: 80px;
  background: var(--bg-gradient);
  min-height: 90vh;
  display: flex;
  align-items: center;
}

.hero-bg-accent {
  position: absolute;
  top: -10%;
  right: -5%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.1) 0%, rgba(255,255,255,0) 70%);
  z-index: 0;
  pointer-events: none;
}

.hero-container {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-badge {
  display: inline-block;
  padding: 0.5rem 1rem;
  background-color: rgba(16, 185, 129, 0.1);
  color: var(--primary);
  border-radius: 9999px;
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
}

.hero-content h1 {
  font-size: 3.5rem;
  color: var(--dark);
  letter-spacing: -0.025em;
  margin-bottom: 1.5rem;
}

.hero-content .highlight {
  color: var(--primary);
}

.hero-subtitle {
  font-size: 1.125rem;
  color: var(--body);
  margin-bottom: 2rem;
  max-width: 90%;
}

.hero-features {
  list-style: none;
  margin-bottom: 2.5rem;
}

.hero-features li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
  font-weight: 500;
  color: var(--dark);
}

.icon-green {
  color: var(--primary);
  width: 1.5rem;
  height: 1.5rem;
}
.icon-green-sm {
  color: var(--primary);
  width: 1.25rem;
  height: 1.25rem;
  display: inline-block;
  margin-right: 0.5rem;
  vertical-align: middle;
}

.hero-cta-group {
  display: flex;
  gap: 1rem;
}

/* CLONE VISUAL CARDS */
.hero-visual {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.payment-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.payment-card:hover {
  transform: translateY(-4px) scale(1.02);
  box-shadow: var(--shadow-md);
  border-color: rgba(16, 185, 129, 0.3);
}

.icon-bubble {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: rgba(16, 185, 129, 0.1);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.payment-info, .receive-info {
  display: flex;
  flex-direction: column;
  flex: 1;
}

.label {
  font-size: 0.875rem;
  color: var(--body);
  font-weight: 500;
}

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

.amount .sub {
  font-size: 1rem;
  font-weight: 500;
  color: var(--body);
}

.arrow-icon {
  color: #CBD5E1; /* Slate 300 */
}

.receive-amount {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.sub-label {
  font-size: 0.75rem;
  color: var(--body);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-top: 2px;
}

.disclaimer {
  font-size: 0.875rem;
  color: var(--body);
  margin-top: 1rem;
  opacity: 0.8;
}

/* Animations */
.slide-in-up {
  opacity: 0;
  animation: slideInUp 0.6s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.3s; }
.delay-3 { animation-delay: 0.5s; }

@keyframes slideInUp {
  0% { transform: translateY(30px); opacity: 0; }
  100% { transform: translateY(0); opacity: 1; }
}

/* =========================================
   LENDERS GRID
========================================= */
.lenders-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.lender-box {
  background: var(--light-bg);
  border: 1px solid var(--border);
  padding: 2rem 1rem;
  border-radius: var(--radius-lg);
  font-weight: 600;
  color: var(--dark);
  transition: background 0.2s;
}

.lender-box:hover {
  background: var(--white);
  box-shadow: var(--shadow-sm);
  border-color: var(--primary);
}

/* =========================================
   STEPS SECTION
========================================= */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.step-card {
  padding: 2.5rem 2rem;
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: transform 0.3s ease;
  position: relative;
  overflow: hidden;
}

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

.step-icon-wrapper {
  position: relative;
  width: 64px;
  height: 64px;
  margin-bottom: 1.5rem;
}

.step-icon {
  width: 100%;
  height: 100%;
  background: var(--primary);
  color: var(--white);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-number {
  position: absolute;
  bottom: -8px;
  right: -8px;
  width: 28px;
  height: 28px;
  background: var(--dark);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: bold;
  border: 2px solid var(--white);
}

.step-card h3 {
  font-size: 1.25rem;
  margin-bottom: 1rem;
}

.step-card p {
  color: var(--body);
  font-size: 0.9375rem;
}

/* =========================================
   TABBED SECTION
========================================= */
.tabs-container {
  max-width: 800px;
  margin: 0 auto;
}

.tabs-nav {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2rem;
  background: transparent;
  padding: 0;
  border-radius: 0;
}

.tab-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  padding: 0.75rem 1.5rem;
  border-radius: 9999px;
  font-weight: 500;
  color: var(--body);
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: inherit;
  font-size: 1rem;
  box-shadow: none;
}

.tab-btn i, .tab-btn svg {
  width: 1.25rem;
  height: 1.25rem;
  color: #94a3b8;
  transition: color 0.2s ease;
}

.tab-btn:hover {
  border-color: #cbd5e1;
  background: #f8fafc;
  color: var(--dark);
}

.tab-btn.active {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: 0 4px 14px 0 rgba(16, 185, 129, 0.39);
}

.tab-btn.active i, .tab-btn.active svg {
  color: var(--white);
}

.tabs-content {
  background: var(--white);
  border: 1px solid rgba(226, 232, 240, 0.8);
  border-radius: var(--radius-xl);
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.05);
  min-height: 480px;
  overflow: hidden;
}

.tab-pane {
  display: none;
  padding: 2.5rem 3rem;
}

.tab-pane.active {
  display: block;
}

.fade-in {
  animation: fadeIn 0.4s ease forwards;
}

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

.tab-header {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  margin-bottom: 2rem;
}

.tab-header-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-lg);
  background-color: #ecfdf5;
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
}

.tab-header-icon i, .tab-header-icon svg {
  width: 28px;
  height: 28px;
}

.tab-header-text h3 {
  font-size: 1.5rem;
  color: var(--dark);
  margin-bottom: 0.25rem;
}

.tab-header-text .subtitle {
  font-size: 1rem;
  color: #94a3b8;
}

.program-highlight-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.program-highlight-list li {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-size: 1.05rem;
  color: var(--body);
}

.program-highlight-list li i, .program-highlight-list li svg {
  flex-shrink: 0;
  width: 1.5rem;
  height: 1.5rem;
}

.tab-footer-note {
  margin-top: 2.5rem;
  font-size: 0.875rem;
  color: #94a3b8;
  padding-top: 0;
}

/* =========================================
   FOOTER
========================================= */
.site-footer {
  background: var(--white);
  border-top: 1px solid var(--border);
  padding-top: 4rem;
}

.footer-container {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2rem;
  padding-bottom: 3rem;
}

.footer-links-group h4, .footer-contact h4 {
  color: var(--dark);
  font-size: 1rem;
  margin-bottom: 1.5rem;
}

.footer-links-group a, .footer-contact p {
  display: block;
  color: var(--body);
  margin-bottom: 0.75rem;
  font-size: 0.9375rem;
}

.footer-links-group a:hover {
  color: var(--primary);
}

.footer-bottom {
  border-top: 1px solid var(--border);
  padding: 1.5rem 0;
  text-align: center;
  color: var(--body);
  font-size: 0.875rem;
}

/* =========================================
   MODAL
========================================= */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(15, 23, 42, 0.6); /* Slate 900 */
  backdrop-filter: blur(4px);
  z-index: 9999;
  display: none;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.modal-overlay.open {
  display: flex;
  opacity: 1;
}

.modal-content {
  background: var(--white);
  border-radius: var(--radius-xl);
  width: 90%;
  max-width: 480px;
  box-shadow: var(--shadow-lg);
  transform: translateY(20px) scale(0.95);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  overflow: hidden;
}

.modal-overlay.open .modal-content {
  transform: translateY(0) scale(1);
}

.modal-header {
  padding: 1.5rem;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.modal-header h2 {
  font-size: 1.5rem;
  margin: 0;
}

.close-btn {
  background: transparent;
  border: none;
  color: var(--body);
  cursor: pointer;
  padding: 0.25rem;
  border-radius: var(--radius-md);
  transition: background 0.2s;
}

.close-btn:hover {
  background: var(--light-bg);
  color: var(--dark);
}

.modal-body {
  padding: 1.5rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--dark);
  margin-bottom: 0.5rem;
}

.form-group input {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  font-family: inherit;
  font-size: 1rem;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.form-group input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.1);
}

/* =========================================
   NEW SECTIONS (ACCESS PROGRAMS & GRADIENT CTA)
========================================= */
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-center { justify-content: center; }
.lg-flex-row { flex-direction: column; display: flex; }
.lg-w-1-2 { width: 100%; }
.lg-w-2-5 { width: 100%; }
.lg-w-3-5 { width: 100%; }

@media (min-width: 1024px) {
    .lg-flex-row { flex-direction: row; display: flex; }
    .lg-w-1-2 { width: 50%; }
    .lg-w-2-5 { width: 40%; }
    .lg-w-3-5 { width: 60%; }
}

.feature-card-horizontal {
    background: var(--white);
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    padding: 0.875rem 1rem;
    display: flex;
    align-items: center;
    gap: 1.25rem;
    box-shadow: none;
    transition: transform 0.2s, box-shadow 0.2s;
}
.feature-card-horizontal:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 6px -1px rgba(0,0,0,0.05);
}
.feature-card-horizontal .icon-wrapper {
    background-color: #f0fdf4;
    color: var(--primary);
    width: 44px;
    height: 44px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.feature-card-horizontal .icon-wrapper svg, .feature-card-horizontal .icon-wrapper i {
    width: 22px;
    height: 22px;
    stroke-width: 1.5px;
}
.feature-card-horizontal .feature-text {
    font-weight: 500;
    color: #334155;
    font-size: 0.9375rem;
}
.cta-gradient-section {
    background: linear-gradient(90deg, #075fdc 0%, #1e2d4d 100%);
    padding: 6rem 0;
    color: var(--white);
}
.btn-white {
    background: var(--white);
    color: #1e293b;
    border: none;
    font-weight: 600;
    padding: 0.875rem 2rem;
    border-radius: 8px;
}
.btn-white:hover {
    background: #f8fafc;
    color: var(--primary);
    transform: translateY(-2px);
}

/* =========================================
   FORM CARD SECTION
========================================= */
.form-card-wrapper {
  max-width: 36rem;
  margin: 0 auto;
}
.form-card.layout-flush {
  background: var(--white);
  border-radius: 8px;
  box-shadow: 0 10px 30px -5px rgba(0,0,0,0.08); /* deeper soft drop shadow */
  padding: 0; /* flush */
  border: none;
  overflow: hidden;
}
.form-card-body {
  padding: 3rem 4rem 2rem 4rem;
}
.form-title {
  font-size: 1.6rem;
  font-weight: 400;
  color: #0f172a;
  margin-bottom: 2rem;
  letter-spacing: -0.01em;
}
.contact-form {
  text-align: left;
}
.contact-form .form-group {
  margin-bottom: 1.5rem;
}
.contact-form label {
  display: block;
  font-size: 1rem;
  font-weight: 400;
  color: #0f172a;
  margin-bottom: 0.75rem;
}
.contact-form input, .contact-form select {
  width: 100%;
  padding: 0.875rem 1rem;
  border-radius: 6px;
  border: 1px solid #cbd5e1;
  background-color: var(--white);
  font-family: inherit;
  font-size: 1rem;
  color: #000000;
  transition: all 0.2s;
  appearance: none;
}
.contact-form input::placeholder {
  color: #94a3b8;
}
.contact-form input:focus, .contact-form select:focus {
  outline: none;
  border-color: #3b82f6;
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.15);
}
.contact-form select {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3e%3cpath fill='%2394a3b8' d='M5 8l5 5 5-5H5z'/%3e%3c/svg%3e");
  background-position: right 0.75rem center;
  background-repeat: no-repeat;
  background-size: 1.25em 1.25em;
  padding-right: 2.5rem;
}
.btn-submit-form-flush {
  width: 100%;
  height: 4rem;
  background-color: #006fee;
  color: #ffffff;
  border: none;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding: 0 2rem;
  cursor: pointer;
  transition: background-color 0.2s;
}
.btn-submit-form-flush:hover {
  background-color: #005bc4;
}
.btn-submit-form-flush:active {
  background-color: #004ba3;
}
.hover-underline:hover {
  text-decoration: underline;
}

/* =========================================
   MODERN FOOTER
========================================= */
.footer-modern {
  background-color: #1e293b;
  color: #ffffff;
  margin-top: 6rem;
  padding: 2.5rem 0 1.5rem 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-logo {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}
.footer-desc {
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.6;
  font-size: 0.9375rem;
}
.footer-phone {
  color: rgba(255, 255, 255, 0.6);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: color 0.2s;
  font-size: 0.9375rem;
}
.footer-phone:hover {
  color: #ffffff;
}
.inline-icon-sm {
  width: 1rem;
  height: 1rem;
}
.footer-links-col h4 {
  color: #ffffff;
  font-size: 1.125rem;
  font-weight: 600;
}
.footer-links-col ul {
  list-style: none;
}
.footer-links-col ul li {
  margin-bottom: 1rem;
}
.footer-links-col a {
  color: rgba(255, 255, 255, 0.6);
  transition: color 0.2s;
  font-size: 0.9375rem;
}
.footer-links-col a:hover {
  color: #ffffff;
}
.border-white-10 {
  border-color: rgba(255, 255, 255, 0.1);
}
.md-flex-row { flex-direction: column; }
.md-mt-0 { margin-top: 1rem; }
@media (min-width: 768px) {
  .md-flex-row { flex-direction: row; }
  .md-mt-0 { margin-top: 0; }
}

/* =========================================
   US HEALTHCARE FINANCE SECTIONS
========================================= */
.cp-hero-section {
    background: radial-gradient(circle at 120% 50%, #f6f0ea 0%, #f6f0ea 40%, rgba(246,240,234,0.3) 60%, transparent 100%), #faf8f5;
    padding: 8rem 0 6rem 0;
    overflow: hidden;
}
.cp-hero-text { padding-right: 4rem; }
.cp-title {
    font-size: 3rem; /* 48px */
    line-height: 1.2;
    color: var(--dark);
    font-weight: 700;
    margin-bottom: 2rem;
    font-family: 'Inter', sans-serif;
    letter-spacing: -0.02em;
}
.cp-title-bold { font-weight: 800; font-family: 'Inter', sans-serif; }
.cp-desc {
    font-size: 1.125rem;
    color: var(--dark);
    margin-bottom: 2.5rem;
    line-height: 1.6;
}
.cp-desc-center {
    font-size: 1rem;
    color: var(--body);
    line-height: 1.6;
    max-width: 48rem;
    margin: 0 auto;
}
.btn-cp-blue {
    background-color: var(--primary);
    color: white;
    padding: 1rem 2.25rem;
    border-radius: 8px;
    border: none;
    font-weight: 600;
    font-size: 1rem;
    cursor: pointer;
    transition: all 0.2s;
    font-family: 'Inter', sans-serif;
}
.btn-cp-blue:hover { background-color: #005bc4; }
.text-cp-blue { color: #006fee; }

/* CSS Phone Frame */
.css-phone-wrapper {
    position: relative;
    width: 330px;
    height: 660px;
    margin: 0 auto;
}
.css-phone-bezel {
    position: absolute;
    width: 100%;
    height: 100%;
    background-color: #1a1a1a;
    border-radius: 46px;
    padding: 12px;
    box-shadow: 0 40px 80px -20px rgba(0,0,0,0.3), inset 0 0 0 2px #444, inset 0 0 0 4px #1a1a1a, inset 0 0 20px rgba(0,0,0,0.4);
    z-index: 10;
}
.css-phone-bezel::before {
    content: '';
    position: absolute;
    top: 0; left: 50%;
    transform: translateX(-50%);
    width: 120px; height: 32px;
    background-color: #1a1a1a;
    border-bottom-left-radius: 18px;
    border-bottom-right-radius: 18px;
    z-index: 20;
}
.css-phone-screen {
    position: relative;
    width: 100%; height: 100%;
    background-color: #ffffff;
    border-radius: 34px;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    padding: 3rem 1.25rem 1rem 1.25rem;
}
.cp-phone-header { text-align: center; margin-bottom: 1rem; }
.cp-phone-logo { display: inline-flex; align-items: center; gap: 0.25rem; font-weight: 800; font-size: 1.25rem; color: #0d2c54; margin-bottom: 1.25rem; letter-spacing: -0.02em; }
.cp-phone-title { font-size: 0.95rem; font-weight: 600; color: #0d2c54; line-height: 1.4; }
.cp-phone-autopay {
    display: flex; gap: 0.75rem; align-items: flex-start;
    padding: 0.75rem; background-color: #f8fafc; border-radius: 8px;
    font-size: 0.7rem; color: #334155; line-height: 1.4;
    margin-bottom: 1rem;
}
.checkbox-checked {
    width: 16px; height: 16px; border-radius: 4px; background-color: #006fee; color: white; display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.cp-phone-plans { display: flex; flex-direction: column; gap: 0.5rem; margin-bottom: 1rem; }
.cp-plan-card {
    border: 1px solid #e2e8f0; border-radius: 8px; padding: 0.75rem;
    transition: all 0.2s;
}
.cp-plan-card.active { border-color: #006fee; box-shadow: 0 4px 12px rgba(0, 111, 238, 0.1); background-color: #ffffff; }
.cp-plan-card:not(.active) { background-color: #f8fafc; opacity: 0.8; }
.cp-plan-header { display: flex; align-items: center; gap: 0.5rem; font-size: 0.8rem; font-weight: 700; color: #0d2c54; margin-bottom: 0.5rem; }
.cp-plan-radio { width: 14px; height: 14px; border-radius: 50%; border: 2px solid #006fee; display: flex; align-items: center; justify-content: center; flex-shrink: 0; background-color: white;}
.cp-plan-radio .dot { width: 6px; height: 6px; border-radius: 50%; background-color: #006fee; }
.cp-plan-radio.empty { border-color: #94a3b8; }
.cp-plan-radio.empty .dot { display: none; }
.cp-plan-price { flex-grow: 1; }
.cp-plan-price .small { font-size: 0.65rem; color: #64748b; font-weight: 500; }
.cp-plan-months { font-size: 0.7rem; color: #334155; font-weight: 500; margin-right: 0.25rem;}
.cp-plan-chevron { width: 14px; height: 14px; color: #64748b; }
.cp-plan-details { display: flex; justify-content: space-between; padding-left: 1.5rem; font-size: 0.65rem; color: #64748b; margin-top: 0.25rem;}
.cp-plan-details .value { font-weight: 600; color: #334155; margin-top: 0.125rem; font-size: 0.7rem; }
.border-b-blue { border-bottom: 1px dotted #006fee; }

.cp-phone-btn {
    width: 100%; background-color: #006fee; color: white; border: none; border-radius: 6px;
    padding: 0.875rem; font-weight: 600; font-size: 0.85rem; cursor: pointer; margin-bottom: 0.75rem;
}
.cp-phone-footer { font-size: 0.65rem; color: #0d2c54; text-align: center; font-weight: 500; line-height: 1.4; padding: 0 1rem; }

/* Partner Bar */
.cp-partners-bar {
    background-color: #16243b;
    color: white;
    padding: 2.5rem 0;
    overflow: hidden;
}
.cp-partners-wrapper {
    width: 100%;
    overflow: hidden;
    position: relative;
}
.cp-partners-track {
    display: flex;
    gap: 6rem;
    width: max-content;
    animation: scroll-partners 30s linear infinite;
    align-items: center;
}
@keyframes scroll-partners {
    0% { transform: translateX(0); }
    100% { transform: translateX(calc(-50% - 3rem)); }
}
.cp-partner-item { 
    display: flex; 
    flex-direction: column; 
    align-items: flex-start; 
    gap: 0.25rem;
    flex-shrink: 0;
}
.cp-partner-title { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 4px; }
.cp-partner-logo { font-size: 1.25rem; font-weight: 800; line-height: 1.1; color: white; }
.cp-partner-logo.serif { font-family: Georgia, serif; }

/* Features Section */
.cp-title-alt {
    font-size: 2.25rem; /* 36px */
    line-height: 1.25;
    color: #0d2c54;
    font-weight: 700;
    font-family: 'Inter', sans-serif;
    letter-spacing: -0.01em;
}
.cp-slider-graphic-wrapper {
    position: relative;
    padding: 4rem;
    background: linear-gradient(135deg, #e0f2fe 0%, #fef3c7 100%);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.cp-slider-card {
    background: white;
    border-radius: 12px;
    padding: 2.5rem 2rem;
    width: 100%;
    max-width: 440px;
    position: relative;
    z-index: 2;
    box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);
}
.cp-slider-title { font-size: 1.25rem; font-weight: 800; color: #0d2c54; }
.cp-slider-track-container {
    position: relative;
    height: 16px;
    margin: 2.5rem 0 1rem 0;
}
.cp-slider-track {
    position: absolute; top: 50%; left: 0; right: 0; transform: translateY(-50%);
    height: 10px; background-color: #e2e8f0; border-radius: 5px;
}
.cp-slider-fill {
    position: absolute; top: 50%; left: 0; transform: translateY(-50%);
    height: 12px; background-color: #0d2c54; border-radius: 6px;
    width: 70%;
}
.cp-slider-handle {
    position: absolute; top: 50%; transform: translate(-50%, -50%);
    width: 28px; height: 28px; background-color: white; border: 4px solid #0d2c54;
    border-radius: 50%; box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}
.cp-slider-labels { color: #0d2c54; }

.cp-feature-item {
    padding: 1.5rem 2rem;
    border-radius: 12px;
    transition: all 0.2s;
    cursor: pointer;
}
.cp-feature-item.active {
    background-color: #f4f8ff;
}
.cp-feature-header {
    font-size: 1.125rem; font-weight: 800; color: #0d2c54; border: none;
}
.cp-feature-item.active .cp-feature-header { margin-bottom: 0.75rem; }
.cp-feature-body {
    font-size: 1rem; color: #334155; line-height: 1.5; display: none; margin: 0;
}
.cp-feature-item.active .cp-feature-body { display: block; }

/* =========================================
   AVVANCE SECTION
========================================= */
.avvance-section {
    background-color: #f8f9fa;
    padding: 8rem 0;
    overflow: hidden;
    position: relative;
}
.avvance-title {
    font-size: 2.25rem; /* 36px */
    font-family: 'Inter', sans-serif;
    font-weight: 700;
    color: #020c26;
    line-height: 1.25;
}
.avvance-desc {
    font-size: 1.125rem;
    color: #475569;
    line-height: 1.6;
}
.avvance-list {
    list-style-type: none;
    padding-left: 1.5rem;
    margin: 0;
}
.avvance-list li {
    position: relative;
    font-size: 1.2rem;
    color: #334155;
    margin-bottom: 0.75rem;
    line-height: 1.5;
}
.avvance-list li::before {
    content: '•';
    position: absolute;
    left: -1.25rem;
    color: #334155;
    font-size: 1.5rem;
    top: -4px;
}
.avvance-list strong {
    font-weight: 700;
    color: #1e293b;
}

/* Avvance Glow Effects */
.avvance-glow {
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    filter: blur(80px);
    z-index: 1;
    opacity: 0.6;
}
.avvance-glow-blue {
    background-color: #3b82f6;
    top: 50%; left: 30%;
    transform: translate(-50%, -50%);
}
.avvance-glow-green {
    background-color: var(--primary);
    top: 30%; left: 70%;
    transform: translate(-50%, -50%);
}

/* Avvance Phone Specifics */
.avvance-phone {
    z-index: 2;
    background-color: transparent;
}
.css-phone-wrapper.avvance-phone .css-phone-bezel {
    background-color: #ffffff;
    box-shadow: 0 40px 80px -20px rgba(0,0,0,0.1), inset 0 0 0 2px #e2e8f0, inset 0 0 20px rgba(0,0,0,0.02);
}
.css-phone-wrapper.avvance-phone .css-phone-bezel::before {
    background-color: #ffffff;
    border-bottom: 1px solid #e2e8f0;
}
.css-phone-wrapper.avvance-phone .css-phone-screen {
    background-color: #ffffff;
}
.avvance-phone-title {
    font-size: 1.3rem; font-weight: 800; color: #1e3a8a; margin-bottom: 0.5rem; letter-spacing: -0.01em;
}
.avvance-phone-subtitle {
    font-size: 0.65rem; color: #64748b; line-height: 1.4; margin-bottom: 0;
}
.avvance-label {
    font-size: 0.65rem; color: #64748b;
}
.avvance-val {
    font-size: 0.75rem; color: #0f172a; margin-top: 2px;
}
.avvance-card {
    background-color: #f1f5f9; padding: 1rem; border-radius: 8px; border: 1px solid #e2e8f0;
}
.avvance-btn {
    width: 100%; background-color: #1d4ed8; color: white; padding: 0.5rem; font-size: 0.75rem; font-weight: 600; border-radius: 4px; border: none; cursor: pointer; transition: background-color 0.2s; margin-top: 0.5rem;
}
.avvance-btn:hover { background-color: #1e3a8a; }

/* =========================================
   RESPONSIVE
========================================= */
@media (max-width: 1024px) {
  .hero-container { grid-template-columns: 1fr; text-align: center; }
  .hero-content { order: 1; }
  .hero-content .hero-features { display: inline-block; text-align: left; }
  .hero-cta-group { justify-content: center; }
  .hero-visual { order: 2; max-width: 600px; margin: 0 auto; }
}

@media (max-width: 768px) {
  .hero-content h1 { font-size: 2.5rem; }
  .steps-grid { grid-template-columns: 1fr; }
  .lenders-grid { grid-template-columns: 1fr 1fr; }
  .tabs-nav { flex-direction: column; }
  .tab-grid { grid-template-columns: 1fr; }
  .footer-container { grid-template-columns: 1fr 1fr; }
  .nav-links, .nav-actions .btn-primary { display: none; }
  .mobile-menu-btn { display: block; }
}

@media (max-width: 480px) {
  .lenders-grid { grid-template-columns: 1fr; }
  .footer-container { grid-template-columns: 1fr; }
  .payment-card { flex-direction: column; text-align: center; gap: 1rem; }
  .payment-card .receive-info, .payment-card .arrow-icon { margin-left: auto; margin-right: auto; text-align: center; }
  .payment-card .arrow-icon { transform: rotate(90deg); }
}