/* ===== Loan Wallet — Navy + Green ===== */
:root {
  --green: #82d646;
  --green-dark: #6DB534;
  --green-darker: #5A9E28;
  --green-light: #E8F5E0;
  --white: #FFFFFF;
  --off-white: #FAFAFA;
  --light-grey: #F0F2F5;
  --mid-grey: #8892A0;
  --text: #1A1A2E;
  --text-light: #4A4A6A;
  --dark: #1B2335;
  --radius: 12px;
  --radius-lg: 20px;
  --radius-sm: 8px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06);
  --shadow: 0 4px 16px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 32px rgba(0,0,0,0.10);
  --shadow-xl: 0 16px 48px rgba(0,0,0,0.12);
  --transition: 0.2s ease;
  --border: #E0E0E0;
  --error: #BD1930;
  --error-bg: #FFF5F5;
  --error-shadow: rgba(189,25,48,0.25);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* === COMPLIANCE STRIP === */
.compliance-strip {
  background: #0D1520;
  color: rgba(255,255,255,0.75);
  font-size: 0.72rem;
  padding: 6px 0;
  text-align: center;
  line-height: 1.5;
  letter-spacing: 0.01em;
}
.compliance-strip .wrap { display: flex; flex-wrap: wrap; justify-content: center; gap: 0 8px; }
.compliance-strip a { color: var(--green); text-decoration: underline; font-weight: 500; }
.compliance-strip .sep { opacity: 0.25; }
.desktop-only { display: inline; }
@media (max-width: 768px) { .desktop-only { display: none; } }

/* === HEADER === */
.site-header {
  background: #1B2335;
  padding: 14px 0;
  position: sticky; top: 0; z-index: 100;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}


.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.3rem; color: var(--white); letter-spacing: -0.02em; text-decoration: none; }
.logo-mark-img { width: 35px; height: 40px; object-fit: contain; }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: inherit;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 12px 28px;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: var(--transition);
  letter-spacing: 0.02em;
}
.btn-primary {
  background: var(--green);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(130,214,70,0.3);
}
.btn-primary:hover { background: var(--green-dark); transform: translateY(-1px); box-shadow: 0 6px 24px rgba(130,214,70,0.4); }
.btn-primary:focus-visible { outline: 2px solid var(--green-darker); outline-offset: 3px; }
.btn-block { width: 100%; font-size: 1.25rem; padding: 24px 32px; }
.btn-ghost {
  background: transparent;
  color: var(--text-light);
  border: 1px solid var(--border);
  font-weight: 500;
}
.btn-ghost:hover { background: var(--light-grey); }
.btn-ghost:focus-visible { outline: 2px solid var(--green); outline-offset: 2px; }
.btn-glow {
  animation: pulse 1.8s ease-in-out infinite;
  position: relative;
}
.btn-glow::after {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--green), var(--green-dark), var(--green));
  z-index: -1;
  animation: glowRing 1.6s ease-in-out infinite;
  opacity: 0.6;
  filter: blur(8px);
  pointer-events: none;
}

@keyframes pulse {
  0%, 100% { transform: scale(1); box-shadow: 0 4px 20px rgba(130,214,70,0.35), 0 1px 3px rgba(0,0,0,0.08); }
  50% { transform: scale(1.04); box-shadow: 0 8px 36px rgba(130,214,70,0.5), 0 3px 8px rgba(0,0,0,0.12); }
}
@keyframes glowRing {
  0%, 100% { transform: scale(1); opacity: 0.4; }
  50% { transform: scale(1.06); opacity: 0.7; }
}

@keyframes shake {
  0%, 100% { transform: translateX(0); }
  20%, 60% { transform: translateX(-6px); }
  40%, 80% { transform: translateX(6px); }
}
.shake { animation: shake 0.4s ease-in-out; }

/* === HERO === */
.hero {
  scroll-margin-top: 70px;
  background: linear-gradient(170deg, #D6F0FF 0%, #E6F9D6 35%, #F5FAFF 65%, var(--white) 100%);
  padding: 40px 0 56px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; top: -10%; left: 35%;
  width: 450px; height: 450px;
  background: radial-gradient(circle, rgba(130,214,70,0.2) 0%, transparent 60%);
  border-radius: 50%; pointer-events: none; z-index: 0;
}
.hero::after {
  content: ''; position: absolute; top: 15%; right: 20%;
  width: 350px; height: 350px;
  background: radial-gradient(circle, rgba(56,189,248,0.3) 0%, transparent 60%);
  border-radius: 50%; pointer-events: none; z-index: 0;
}
.hero-blob {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
  width: 600px; height: 400px;
  background: radial-gradient(ellipse at center, rgba(130,214,70,0.06) 0%, rgba(184,228,250,0.1) 40%, transparent 70%);
  border-radius: 50%; filter: blur(40px); pointer-events: none; z-index: 0;
}
.hero-content { position: relative; z-index: 1; text-align: center; max-width: 680px; margin: 0 auto; }
.hero-content h1 { font-size: 2.7rem; font-weight: 900; line-height: 1.12; letter-spacing: -0.03em; margin-bottom: 10px; color: var(--text); }
.hero-content h1 span {
  background: linear-gradient(135deg, var(--green-darker) 0%, var(--green) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; display: inline-block;
}
.hero-social-proof { font-size: 1.05rem; font-weight: 600; color: var(--text-light); margin-bottom: 24px; letter-spacing: -0.01em; }
.hero-content .lead { font-size: 1.05rem; color: var(--text-light); margin-bottom: 32px; max-width: 520px; margin-left: auto; margin-right: auto; line-height: 1.5; }

/* === QUOTE CARD === */
.quote-card {
  background: rgba(255,255,255,0.78);
  backdrop-filter: blur(24px); -webkit-backdrop-filter: blur(24px);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl), 0 0 0 1px rgba(255,255,255,0.5) inset;
  padding: 32px 36px;
  margin: 0 auto 20px;
  text-align: left;
  border: 1px solid rgba(130,214,70,0.1);
}
.field-row { display: flex; flex-direction: column; gap: 24px; margin-bottom: 20px; }
.field label { font-size: 0.85rem; font-weight: 600; color: var(--text); letter-spacing: -0.01em; }
.field select, .field input {
  width: 100%; padding: 14px 16px; border: 1px solid var(--border); border-radius: var(--radius);
  font-family: inherit; font-size: 0.95rem; color: var(--text); background: var(--white);
  transition: var(--transition);
}
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23475569' stroke-width='1.5' fill='none'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 18px center; padding-right: 44px; }
.field select:focus, .field input:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(130,214,70,0.15); outline: none; }
.field input.is-invalid, .field select.is-invalid {
  border-color: var(--error);
  box-shadow: 0 0 0 3px var(--error-shadow);
  background: var(--error-bg);
}

/* === AMOUNT GRID === */
.amount-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-bottom: 4px; }
.amount-btn {
  padding: 14px 8px; border: 1px solid var(--border); border-radius: var(--radius);
  background: var(--white); cursor: pointer; font-family: inherit; font-size: 0.9rem;
  font-weight: 600; color: var(--text); transition: var(--transition);
}
.amount-btn:hover { border-color: var(--green); }
.amount-btn:focus-visible { outline: 2px solid var(--green); outline-offset: 2px; }
.amount-btn.selected { background: var(--green); color: var(--white); border-color: var(--green); }
.amount-other { background: var(--light-grey); }
.amount-other-select { width: 100%; margin-top: 8px; }

/* === FINE PRINT === */
.fine-print { font-size: 0.68rem; color: var(--text-light); line-height: 1.5; background: var(--light-grey); border-radius: var(--radius-sm); padding: 10px 12px; text-align: center; font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; }
.fine-print p { margin: 0; font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; }

/* === TRUST BAR === */
.trust-bar { background: var(--white); padding: 28px 0; border-top: 1px solid var(--border); }
.trust-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; text-align: center;
}
.trust-grid > div {
  color: var(--text-light);
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  font-size: 0.82rem; color: var(--text-light); padding: 12px;
  border-radius: var(--radius-sm); transition: var(--transition);
}
.trust-grid > div:hover { background: var(--light-grey); }
.trust-grid .trust-icon {
  width: 40px; height: 40px; background: var(--green-light);
  border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-size: 1.2rem;
}
.trust-grid strong { font-size: 0.82rem; font-weight: 600; color: var(--text); }

/* === HOW WE COMPARE === */
.how-we-compare { padding: 64px 0; }
.section-head { text-align: center; margin-bottom: 40px; }
.kicker {
  display: inline-block; font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.08em; color: var(--green); background: var(--green-light);
  padding: 4px 12px; border-radius: 999px; margin-bottom: 12px;
}
.section-head h2 { font-size: 2rem; font-weight: 800; color: var(--text); letter-spacing: -0.02em; }
.section-head p { color: var(--text-light); margin-top: 8px; }

.compare-table-wrapper {
  max-width: 700px; margin: 0 auto; overflow-x: auto;
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); border: 1px solid var(--border);
}
.compare-table { width: 100%; border-collapse: separate; border-spacing: 0; font-size: 0.95rem; }
.compare-table thead th {
  padding: 18px 24px; font-weight: 700; font-size: 0.85rem; text-align: left;
  letter-spacing: 0.02em; border-bottom: 2px solid var(--border); background: var(--light-grey);
}
.compare-table thead th:first-child { border-radius: var(--radius-lg) 0 0 0; }
.compare-table thead th:last-child { border-radius: 0 var(--radius-lg) 0 0; }
.compare-table .compare-us { color: var(--green-dark); }
.compare-table .compare-them { color: #6B7280; }
.compare-table tbody td { padding: 16px 24px; border-bottom: 1px solid var(--border); font-weight: 500; }
.compare-table tbody td:first-child { font-weight: 600; }
.compare-table tbody td.compare-us {
  color: var(--green-dark); font-weight: 600;
  background: rgba(130,214,70,0.04); border-left: 3px solid var(--green); padding-left: 21px;
}
.compare-table tbody td.compare-them { color: #6B7280; background: rgba(107,114,128,0.03); }
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody tr:last-child td:first-child { border-radius: 0 0 0 var(--radius-lg); }
.compare-table tbody tr:last-child td:last-child { border-radius: 0 0 var(--radius-lg) 0; }
.compare-table tbody tr:hover td.compare-us { background: rgba(130,214,70,0.08); }
.compare-table tbody tr:hover td.compare-them { background: rgba(107,114,128,0.05); }

/* === HOW IT WORKS === */
#how-it-works { padding: 64px 0; background: var(--off-white); }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.glass {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm); border: 1px solid var(--border);
}
.step-card { padding: 32px 24px; text-align: center; position: relative; }
.step-card::before {
  content: attr(data-step); position: absolute; top: 16px; left: 20px;
  font-size: 0.72rem; font-weight: 800; color: var(--green);
}
.step-card img { margin-bottom: 16px; }
.step-card h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 8px; color: var(--text); }
.step-card p { color: var(--text-light); font-size: 0.9rem; }

/* === WHY US === */
.why-us { padding: 64px 0; }
.benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.benefit-card { padding: 28px 24px; text-align: center; }
.benefit-icon { font-size: 1.8rem; margin-bottom: 12px; }
.benefit-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.benefit-card p { color: var(--text-light); font-size: 0.85rem; }

/* === RESPONSIBLE LENDING === */
.responsible-lending { padding: 64px 0; background: var(--off-white); }
.responsible-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.responsible-card { padding: 24px; }
.responsible-card h3 { font-size: 0.95rem; font-weight: 700; margin-bottom: 8px; color: var(--text); }
.responsible-card p { color: var(--text-light); font-size: 0.82rem; line-height: 1.5; }
.responsible-card a { color: var(--green); font-weight: 500; }

/* === CTA SECTION === */
.cta-section { padding: 56px 0; text-align: center; }
.cta-section h2 { font-size: 1.8rem; font-weight: 800; margin-bottom: 24px; }
.cta-section .btn { font-size: 1.1rem; padding: 20px 48px; }

/* === FOOTER === */
footer { background: var(--dark); color: rgba(255,255,255,0.7); padding: 48px 0 32px; font-size: 0.8rem; font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; }
.footer-brand { margin-bottom: 24px; }
.footer-brand small { display: block; margin-top: 8px; color: rgba(255,255,255,0.5); }
.footer-legal { margin-bottom: 24px; line-height: 1.6; }
.footer-links { display: flex; flex-wrap: wrap; gap: 12px 20px; }
.footer-links a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 0.8rem; transition: var(--transition); font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; }
.footer-links a:hover { color: var(--green); }

/* === PAGE SECTIONS (FAQ, CONTACT, APPLY) === */
.page-section { padding: 64px 0; }
.apply-section { padding: 48px 0; }
.apply-card {
  max-width: 960px; margin: 0 auto; overflow: visible;
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.form-error { background: #FFF5F5; color: #BD1930; padding: 14px 20px; border-radius: var(--radius); font-size: 0.85rem; text-align: center; margin-bottom: 16px; }

/* === FAQ === */
.faq-list { display: flex; flex-direction: column; gap: 12px; max-width: 800px; margin: 0 auto; }
.faq-item { overflow: hidden; }
.faq-q {
  padding: 16px 20px; cursor: pointer; font-size: 1rem; font-weight: 600;
  display: flex; justify-content: space-between; align-items: center;
  user-select: none; color: var(--text);
}
.faq-q .chevron { font-size: 1.2rem; transition: transform 0.2s; color: var(--green); }
.faq-item.open .faq-q .chevron { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-item.open .faq-a { max-height: 500px; }
.faq-a-inner { padding: 0 20px 16px; color: var(--text-light); font-size: 0.9rem; line-height: 1.6; }

/* === CONTACT === */
.contact-card { max-width: 640px; margin: 0 auto; padding: 40px; }

/* Countdown timer */
.countdown-timer { color: var(--green); font-weight: 700; font-variant-numeric: tabular-nums; }

/* Phonexa embed padding */
.phonexa-embed { padding: 24px; }

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .hero { padding: 32px 0 44px; }
  .hero-content h1 { font-size: 1.8rem; }
  .hero-social-proof { font-size: 0.9rem; margin-bottom: 20px; }
  .quote-card { padding: 28px 20px; }
  .amount-btn { padding: 16px 8px; font-size: 0.9rem; min-height: 48px; }
  .btn-block { font-size: 1.15rem; padding: 20px 24px; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 8px; }
  .trust-grid > div {
  color: var(--text-light); font-size: 0.7rem; padding: 6px; }
  .trust-grid .trust-icon { width: 30px; height: 30px; border-radius: 8px; font-size: 0.9rem; }
  .steps-grid, .benefits-grid, .responsible-grid { grid-template-columns: 1fr; }
  .section-head h2 { font-size: 1.5rem; }
  .compare-table { font-size: 0.85rem; }
}

@media (max-width: 480px) {
  .wrap { padding: 0 14px; }
  .hero { padding: 24px 0 32px; }
  .hero-content h1 { font-size: 1.6rem; }
  .hero-social-proof { font-size: 0.85rem; margin-bottom: 16px; }
  .quote-card { padding: 28px 14px; }
  .amount-btn { padding: 16px 4px; font-size: 0.82rem; min-height: 46px; }
  .btn-block { font-size: 1rem; padding: 18px 20px; }
  .trust-grid .trust-icon { width: 26px; height: 26px; font-size: 0.8rem; }
  .btn-glow::after { display: none; }
  .fine-print { font-size: 0.58rem; padding: 6px 8px; }
}#amountDisplay { color: var(--green); font-size: 1.1em; }

/* Force Inter on footer/fine-print (Phonexa overrides body font) */
footer, footer *, .fine-print, .fine-print * {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif !important;
}

/* Exit-intent modal */
.exit-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 9999;
  background: rgba(0,0,0,0.7);
  align-items: center; justify-content: center;
}
.exit-modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  max-width: 440px; width: 90%;
  position: relative;
  animation: modalIn 0.3s ease;
}
@keyframes modalIn {
  from { transform: scale(0.9); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
.exit-close {
  position: absolute; top: 12px; right: 16px;
  background: none; border: none; font-size: 1.5rem;
  cursor: pointer; color: var(--mid-grey);
}
.exit-close:hover { color: var(--text); }