/*
 * Brand theme: --brand, --brand-dark, --accent, --ink, --surface and the two
 * font stacks are injected from app/config.php (see views/layout-top.php).
 * The defaults below only apply if that inline block is missing.
 */
:root {
    --brand: #3d66ae;
    --brand-dark: #16356f;
    --accent: #1aa6de;
    --ink: #0c1830;
    --surface: #081a3a;
    --font-display: system-ui, sans-serif;
    --font-body: system-ui, sans-serif;

    --muted: #56627a;
    --line: #dfe4ec;
    --soft: #f4f6fa;
    --paper: #ffffff;
    /* legacy names used throughout this stylesheet */
    --teal: var(--brand);
    --teal-dark: var(--brand-dark);
    --teal-pale: color-mix(in srgb, var(--brand) 10%, #fff);
    --lime: color-mix(in srgb, var(--accent) 55%, #fff);
    --danger: #c0392b;
    --shadow: 0 22px 55px rgba(8, 26, 58, 0.10);
    --grad-brand: linear-gradient(135deg, var(--accent) 0%, var(--brand) 60%, var(--brand-dark) 100%);
}

* {
    box-sizing: border-box;
}

html {
    color-scheme: light;
    scroll-behavior: smooth;
}

body {
    margin: 0;
    min-width: 320px;
    color: var(--ink);
    background:
        radial-gradient(circle at 8% 0%, color-mix(in srgb, var(--accent) 14%, transparent), transparent 28rem),
        linear-gradient(180deg, #f7f8fb 0, #eef1f6 100%);
    font-family: var(--font-body);
}

[hidden] {
    display: none !important;
}

body.modal-open {
    overflow: hidden;
}

button,
input,
select {
    font: inherit;
}

button,
label {
    -webkit-tap-highlight-color: transparent;
}

a {
    color: var(--teal);
}

.site-header {
    height: 74px;
    padding: 0 clamp(20px, 5vw, 72px);
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: rgba(255, 255, 255, 0.88);
    border-bottom: 1px solid rgba(220, 230, 229, 0.9);
    backdrop-filter: blur(14px);
}

.brand {
    display: inline-flex;
    align-items: center;
}

.brand img {
    width: auto;
    height: 36px;
    display: block;
}

.header-meta {
    display: flex;
    gap: 22px;
    align-items: center;
    color: var(--muted);
    font-size: 13px;
    font-weight: 600;
}

.header-secure {
    display: inline-flex;
    gap: 8px;
    align-items: center;
}

.header-phone {
    display: inline-flex;
    gap: 8px;
    align-items: center;
    color: var(--ink);
    font-size: 15px;
    font-weight: 700;
    text-decoration: none;
}

.header-phone svg {
    width: 34px;
    height: 34px;
    padding: 8px;
    border-radius: 50%;
    fill: none;
    stroke: var(--brand);
    stroke-width: 1.8;
    background: var(--teal-pale);
}

.header-phone:hover {
    color: var(--brand);
}

.secure-dot {
    width: 8px;
    height: 8px;
    border: 2px solid var(--teal);
    border-radius: 50%;
    box-shadow: 0 0 0 4px var(--teal-pale);
}

.page-shell {
    width: min(1160px, calc(100% - 36px));
    margin: 0 auto;
    padding: 54px 0 72px;
}

.intro {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 40px;
    margin-bottom: 32px;
}

.intro > div:first-child {
    max-width: 730px;
}

.eyebrow,
.step-kicker {
    margin: 0 0 10px;
    color: var(--teal);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.16em;
}

h1,
h2,
h3,
.capacity-card strong,
.finance-total strong,
.rate-line strong {
    font-family: var(--font-display);
}

.intro h1 {
    max-width: 680px;
    margin: 0;
    font-size: clamp(38px, 5vw, 64px);
    line-height: 0.98;
    letter-spacing: -0.055em;
}

.intro p:not(.eyebrow) {
    max-width: 650px;
    margin: 18px 0 0;
    color: var(--muted);
    font-size: 17px;
    line-height: 1.65;
}

.intro-badge {
    min-width: 230px;
    padding: 18px 20px;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid var(--line);
    border-radius: 16px;
}

.intro-badge strong,
.intro-badge span {
    display: block;
}

.intro-badge strong {
    margin-bottom: 4px;
}

.intro-badge span {
    color: var(--muted);
    font-size: 13px;
}

.application-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 310px;
    gap: 24px;
    align-items: start;
}

.wizard-card,
.summary-card,
.results-panel {
    background: var(--paper);
    border: 1px solid rgba(211, 225, 224, 0.95);
    border-radius: 24px;
    box-shadow: var(--shadow);
}

.wizard-card {
    overflow: hidden;
}

.progress-header {
    padding: 21px 30px 19px;
    background: #fbfcfc;
    border-bottom: 1px solid var(--line);
}

.progress-header > div:first-child {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    margin-bottom: 11px;
    color: var(--muted);
    font-size: 12px;
    font-weight: 700;
}

#save-status {
    color: var(--teal);
}

.progress-track {
    height: 5px;
    overflow: hidden;
    background: #e4eceb;
    border-radius: 10px;
}

.progress-track span {
    display: block;
    width: 14.285%;
    height: 100%;
    background: linear-gradient(90deg, var(--teal), #3da79b);
    border-radius: inherit;
    transition: width 260ms ease;
}

#intake-form {
    padding: 38px 42px 30px;
}

.form-step {
    display: none;
    min-height: 420px;
    animation: step-in 220ms ease;
}

.form-step.is-active {
    display: block;
}

@keyframes step-in {
    from { opacity: 0; transform: translateY(6px); }
    to { opacity: 1; transform: translateY(0); }
}

.form-step h2,
.results-panel h2 {
    margin: 0;
    font-size: clamp(27px, 4vw, 38px);
    line-height: 1.08;
    letter-spacing: -0.04em;
}

.step-copy {
    margin: 10px 0 28px;
    color: var(--muted);
    line-height: 1.55;
}

.credit-step-heading {
    display: flex;
    align-items: center;
    gap: 10px;
}

.credit-heading-icon {
    width: 32px;
    height: 32px;
    display: grid;
    place-items: center;
    flex: 0 0 32px;
    color: var(--teal);
    background: transparent;
    transform: translateY(3px);
}

.credit-heading-icon svg {
    width: 32px;
    height: 32px;
}

.credit-step-copy strong {
    color: var(--ink);
    font-weight: 850;
}

.choice-grid {
    display: grid;
    gap: 13px;
    margin-bottom: 24px;
}

.two-columns {
    grid-template-columns: repeat(2, 1fr);
}

.three-columns {
    grid-template-columns: repeat(3, 1fr);
}

.credit-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
}

.credit-score-feature {
    margin: 22px 0 16px;
    padding: 24px;
    background: linear-gradient(145deg, var(--teal-pale), #fff);
    border: 1.5px solid #a7d5d0;
    border-radius: 18px;
}

.credit-score-feature .field {
    margin-bottom: 18px;
}

.credit-score-label-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    margin-bottom: 9px;
}

.credit-score-label-row > label {
    color: #34405a;
    font-size: 13px;
    font-weight: 750;
}

.credit-score-lookup {
    padding: 9px 13px;
    display: inline-flex;
    align-items: center;
    gap: 5px;
    color: #fff;
    background: var(--teal-dark);
    border: 1.5px solid var(--teal-dark);
    border-radius: 10px;
    box-shadow: 0 8px 20px rgba(22, 91, 88, 0.2);
    font-size: 12px;
    font-weight: 800;
    line-height: 1.2;
    text-decoration: none;
    transition: color 160ms ease, background 160ms ease, transform 160ms ease;
}

.credit-score-lookup:hover {
    color: #fff;
    background: var(--teal);
    border-color: var(--teal);
    transform: translateY(-1px);
}

.credit-score-feature input {
    min-height: 64px;
    font-size: 25px;
    font-weight: 800;
}

.score-bands-heading {
    margin: 4px 0 10px;
    display: flex;
    align-items: baseline;
    gap: 9px;
    color: var(--muted);
    font-size: 12px;
}

.score-bands-heading strong {
    padding: 4px 8px;
    color: #fff;
    background: var(--teal);
    border-radius: 999px;
    font-size: 10px;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.score-bands {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 10px;
}

.score-bands label {
    position: relative;
    min-height: 76px;
    padding: 13px 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    cursor: pointer;
    color: var(--muted);
    background: #fff;
    border: 1.5px solid #bed5d2;
    border-radius: 12px;
    font-size: 12px;
    line-height: 1.35;
    text-align: center;
    transition: border-color 160ms ease, background 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.score-bands label:hover {
    border-color: var(--teal);
    transform: translateY(-1px);
}

.score-bands input {
    position: absolute;
    width: 1px;
    height: 1px;
    min-height: 0;
    margin: 0;
    opacity: 0;
    pointer-events: none;
}

.score-bands label:has(input:checked) {
    color: var(--teal-dark);
    background: var(--teal-pale);
    border-color: var(--teal);
    box-shadow: inset 0 0 0 1px var(--teal);
}

.score-bands label:has(input:checked)::after {
    position: absolute;
    top: 8px;
    right: 8px;
    width: 18px;
    height: 18px;
    display: grid;
    place-items: center;
    color: #fff;
    background: var(--teal);
    border-radius: 50%;
    content: "✓";
    font-size: 11px;
    font-weight: 850;
}

.score-bands strong {
    display: block;
    color: var(--ink);
    font-size: 17px;
}

.modal-backdrop {
    position: fixed;
    z-index: 1000;
    inset: 0;
    display: grid;
    place-items: center;
    padding: 22px;
    background: rgba(15, 36, 41, 0.72);
    backdrop-filter: blur(5px);
}

.modal-card {
    width: min(100%, 510px);
    padding: 34px;
    background: #fff;
    border-radius: 20px;
    box-shadow: 0 24px 80px rgba(12, 38, 43, 0.28);
    text-align: center;
}

.modal-icon {
    width: 54px;
    height: 54px;
    display: grid;
    place-items: center;
    margin: 0 auto 18px;
    color: #8a3d25;
    background: #fff0e9;
    border-radius: 50%;
    font-size: 27px;
    font-weight: 850;
}

.modal-card h2 {
    margin: 0 0 12px;
    font-size: clamp(25px, 4vw, 34px);
    line-height: 1.12;
}

.modal-card > p:not(.step-kicker) {
    margin: 0 auto 24px;
    color: var(--muted);
    line-height: 1.6;
}

.modal-card .button {
    width: 100%;
}

.modal-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}

.choice-card {
    position: relative;
    min-height: 132px;
    padding: 21px;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    justify-content: center;
    gap: 5px;
    cursor: pointer;
    background: #fff;
    border: 1.5px solid var(--line);
    border-radius: 16px;
    transition: border-color 160ms ease, background 160ms ease, transform 160ms ease;
}

.choice-card:hover {
    border-color: #92c5bf;
    transform: translateY(-1px);
}

.choice-card:has(input:checked) {
    background: var(--teal-pale);
    border-color: var(--teal);
    box-shadow: inset 0 0 0 1px var(--teal);
}

.choice-card input {
    position: absolute;
    width: 1px;
    height: 1px;
    margin: 0;
    opacity: 0;
    pointer-events: none;
}

.choice-card strong {
    font-size: 16px;
}

.choice-card small {
    color: var(--muted);
    line-height: 1.4;
}

.choice-card.compact {
    min-height: 102px;
    padding: 17px;
}

.product-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    grid-auto-rows: 1fr;
    gap: 12px;
}

.product-grid .choice-card.compact {
    min-height: 116px;
    padding: 12px 15px;
    justify-content: flex-start;
    gap: 3px;
}

.product-icon {
    width: 34px;
    height: 34px;
    margin-bottom: 6px;
    display: grid;
    place-items: center;
    flex: 0 0 auto;
    color: var(--teal-dark);
    background: var(--teal-pale);
    border-radius: 10px;
    transition: color 160ms ease, background 160ms ease;
}

.product-icon svg {
    width: 20px;
    height: 20px;
}

.product-grid .choice-card:has(input:checked) .product-icon {
    color: #fff;
    background: var(--teal);
}

.product-grid .choice-card strong {
    font-size: 14px;
    line-height: 1.2;
}

.product-grid .choice-card small {
    font-size: 11px;
    line-height: 1.35;
}

.asset-status-grid {
    gap: 16px;
}

.asset-status-card {
    min-height: 92px;
    padding: 14px 46px 14px 14px;
    display: grid;
    grid-template-columns: 38px minmax(0, 1fr);
    grid-template-rows: auto auto;
    column-gap: 12px;
    row-gap: 2px;
    align-content: center;
    justify-content: stretch;
    background: linear-gradient(145deg, #fff, #fbfdfd);
}

.asset-status-card::after {
    content: "";
    position: absolute;
    top: 50%;
    right: 14px;
    width: 24px;
    height: 24px;
    display: grid;
    place-items: center;
    background: transparent;
    border-radius: 50%;
    transform: translateY(-50%);
    transition: background 160ms ease;
}

.asset-status-icon {
    width: 38px;
    height: 38px;
    margin: 0;
    display: grid;
    place-items: center;
    grid-column: 1;
    grid-row: 1 / 3;
    align-self: center;
    color: var(--teal-dark);
    background: var(--teal-pale);
    border-radius: 12px;
    transition: color 160ms ease, background 160ms ease, transform 160ms ease;
}

.asset-status-icon svg {
    width: 21px;
    height: 21px;
}

.asset-status-card strong {
    grid-column: 2;
    grid-row: 1;
    align-self: end;
    font-size: 16px;
    line-height: 1.2;
}

.asset-status-card small {
    grid-column: 2;
    grid-row: 2;
    align-self: start;
    font-size: 11px;
    line-height: 1.35;
}

.asset-status-card:has(input:checked) .asset-status-icon {
    color: #fff;
    background: var(--teal);
    transform: translateY(-1px);
}

.asset-status-card:has(input:checked)::after {
    background-color: var(--teal);
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12 4 4 8-8'/%3E%3C/svg%3E");
    background-position: center;
    background-repeat: no-repeat;
    background-size: 14px;
}

.choice-icon {
    width: 31px;
    height: 31px;
    display: grid;
    place-items: center;
    margin-bottom: 5px;
    color: var(--teal);
    background: var(--teal-pale);
    border-radius: 9px;
    font-size: 18px;
    font-weight: 800;
}

.conditional-panel {
    display: none;
    margin: 20px 0;
    padding: 20px;
    background: var(--soft);
    border: 1px solid var(--line);
    border-radius: 16px;
}

.conditional-panel.is-visible {
    display: block;
}

.field {
    display: block;
    margin: 0 0 20px;
}

.field > span:first-child,
.field legend,
.choice-field legend,
.frequency legend {
    display: block;
    margin: 0 0 9px;
    color: #34405a;
    font-size: 13px;
    font-weight: 750;
}

.decision-field {
    padding: 15px 17px;
    background: #f7faf9;
    border: 1px solid var(--line);
    border-radius: 14px;
    transition: border-color 160ms ease, background 160ms ease, box-shadow 160ms ease;
}

.decision-field.is-missing {
    background: #fff8f1;
    border-color: #d69a69;
    box-shadow: 0 0 0 3px rgba(214, 154, 105, 0.13);
}

.decision-field.is-missing legend {
    color: #9a4f28;
}

.required-badge {
    display: inline-flex;
    margin-left: 6px;
    padding: 3px 7px;
    align-items: center;
    color: var(--teal-dark);
    background: var(--teal-pale);
    border-radius: 999px;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    vertical-align: 2px;
}

.relationship-panel {
    width: 100%;
    margin: 2px 0 26px;
    padding: 17px 19px;
    box-sizing: border-box;
    background: #f1f8f6;
    border: 1.5px solid #a7d0cb;
    border-left: 4px solid var(--teal);
    border-radius: 14px;
}

.relationship-panel .field {
    margin: 0;
}

.relationship-panel legend {
    font-size: 15px;
}

.relationship-panel p {
    margin: -2px 0 13px;
    color: var(--muted);
    font-size: 12px;
}

.relationship-panel .pill-group span {
    min-width: 128px;
    min-height: 45px;
}

.abn-lookup-panel {
    margin: 2px 0 24px;
    padding: 18px 20px;
    background: #f1f8f6;
    border: 1.5px solid #a7d0cb;
    border-left: 4px solid var(--teal);
    border-radius: 14px;
}

.abn-lookup-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: end;
    gap: 14px;
}

.abn-lookup-row .field {
    margin: 0;
}

.abn-lookup-button {
    min-height: 54px;
    padding: 0 24px;
    white-space: nowrap;
}

.abn-lookup-panel > small {
    display: block;
    margin-top: 10px;
    color: var(--muted);
    font-size: 12px;
}

.abn-lookup-status {
    margin-top: 12px;
    padding: 11px 13px;
    color: var(--teal-dark);
    background: #e2f2ee;
    border-radius: 9px;
    font-size: 13px;
    font-weight: 700;
}

.abn-lookup-status.is-error {
    color: #7d3e25;
    background: #fff0e9;
}

.commercial-property-panel {
    margin: 4px 0 22px;
    padding: 18px 20px 0;
    background: #f1f8f6;
    border: 1.5px solid #a7d0cb;
    border-left: 4px solid var(--teal);
    border-radius: 14px;
}

.commercial-property-panel .panel-heading {
    display: flex;
    align-items: center;
    gap: 7px;
    color: #34405a;
    font-size: 15px;
}

.commercial-property-panel > p {
    margin: 5px 0 16px;
    color: var(--muted);
    font-size: 12px;
}

.commercial-property-panel legend {
    line-height: 1.35;
}

.field em {
    color: #87979a;
    font-size: 11px;
    font-style: normal;
    font-weight: 600;
}

.field input,
.field select {
    width: 100%;
    min-height: 50px;
    padding: 0 14px;
    color: var(--ink);
    background: #fff;
    border: 1.5px solid #ccdad9;
    border-radius: 11px;
    outline: none;
    transition: border-color 150ms ease, box-shadow 150ms ease;
}

.field input::placeholder {
    color: #b3bec0;
    opacity: 1;
}

.field input:focus,
.field select:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 4px color-mix(in srgb, var(--brand) 14%, transparent);
}

.field small {
    display: block;
    margin-top: 7px;
    color: var(--muted);
    font-size: 12px;
    line-height: 1.45;
}

.field-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.money-input {
    position: relative;
    display: block;
}

.money-input b {
    position: absolute;
    z-index: 1;
    left: 15px;
    top: 50%;
    color: var(--muted);
    transform: translateY(-50%);
}

.money-input input {
    padding-left: 31px;
}

fieldset {
    padding: 0;
    border: 0;
}

.pill-group {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.pill-group label {
    cursor: pointer;
}

.pill-group input {
    position: absolute;
    width: 1px;
    height: 1px;
    margin: 0;
    opacity: 0;
}

.pill-group span {
    min-height: 41px;
    padding: 0 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #34405a;
    background: #fff;
    border: 1.5px solid var(--line);
    border-radius: 10px;
    font-size: 13px;
    font-weight: 700;
}

.pill-group input:checked + span {
    color: var(--teal-dark);
    background: var(--teal-pale);
    border-color: var(--teal);
}

.pill-group.short span {
    min-width: 90px;
}

.income-block {
    padding: 20px;
    background: var(--soft);
    border-radius: 16px;
}

.income-block .field {
    margin-bottom: 15px;
}

.frequency {
    margin: 0;
}

.reassurance,
.notice {
    padding: 14px 16px;
    color: #315b54;
    background: #edf7ef;
    border-left: 3px solid #6fb780;
    border-radius: 7px;
    font-size: 13px;
    line-height: 1.5;
}

.check-row {
    margin: 13px 0;
    display: grid;
    grid-template-columns: 20px 1fr;
    gap: 10px;
    align-items: start;
    color: #34405a;
    font-size: 13px;
    line-height: 1.5;
}

.check-row input {
    width: 18px;
    height: 18px;
    margin: 1px 0 0;
    accent-color: var(--teal);
}

.check-row.secondary {
    color: var(--muted);
}

.form-error {
    display: none;
    margin: 4px 0 16px;
    padding: 12px 14px;
    color: var(--danger);
    background: #fff1f1;
    border-radius: 9px;
    font-size: 13px;
    font-weight: 650;
}

.form-error.is-visible {
    display: block;
}

.form-actions {
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    gap: 12px;
    border-top: 1px solid var(--line);
}

.button {
    min-height: 49px;
    padding: 0 20px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    cursor: pointer;
    border: 0;
    border-radius: 11px;
    font-weight: 750;
    text-decoration: none;
}

.button-primary {
    color: #fff;
    background: var(--teal);
    box-shadow: 0 9px 20px color-mix(in srgb, var(--brand) 26%, transparent);
}

.button-primary:hover {
    background: var(--teal-dark);
}

.button-primary:disabled {
    cursor: wait;
    opacity: 0.7;
}

.button-ghost {
    color: #3e555b;
    background: var(--soft);
}

.summary-card {
    position: sticky;
    top: 24px;
    padding: 25px;
}

.summary-title {
    display: flex;
    justify-content: space-between;
    gap: 10px;
    color: var(--muted);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.11em;
}

.summary-title small {
    color: #8b9b9e;
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 0;
}

.finance-total {
    margin: 22px 0;
    padding: 19px;
    background: var(--ink);
    border-radius: 15px;
}

.finance-total small,
.finance-total strong {
    display: block;
}

.finance-total small {
    margin-bottom: 5px;
    color: #bcd0d2;
    font-size: 11px;
}

.finance-total strong {
    color: #fff;
    font-size: 29px;
    letter-spacing: -0.04em;
}

.summary-card dl {
    margin: 0;
}

.summary-card dl div {
    padding: 9px 0;
    display: flex;
    justify-content: space-between;
    gap: 18px;
    border-bottom: 1px solid #edf1f1;
    font-size: 13px;
}

.summary-card dt {
    color: var(--muted);
}

.summary-card dd {
    margin: 0;
    font-weight: 700;
    text-align: right;
}

.summary-divider {
    height: 1px;
    margin: 19px 0;
    background: var(--line);
}

.summary-card p {
    margin: 10px 0;
    color: #34405a;
    font-size: 12px;
}

.tick {
    margin-right: 7px;
    color: var(--teal);
    font-weight: 900;
}

.summary-disclaimer {
    display: block;
    margin-top: 17px;
    color: #8a999c;
    line-height: 1.5;
}

.review-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
    margin: 24px 0;
}

.review-item {
    padding: 14px;
    background: var(--soft);
    border-radius: 11px;
}

.review-item small,
.review-item strong {
    display: block;
}

.review-item small {
    margin-bottom: 3px;
    color: var(--muted);
    font-size: 11px;
}

.review-item strong {
    font-size: 14px;
}

.notice {
    display: flex;
    flex-direction: column;
}

.results-panel {
    margin-top: 28px;
    padding: clamp(26px, 5vw, 48px);
}

.results-heading {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 30px;
}

.results-heading p:not(.eyebrow) {
    color: var(--muted);
}

.result-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 15px;
    margin: 30px 0;
}

.result-card {
    padding: 22px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 16px;
}

.result-card.featured {
    border-color: var(--teal);
    box-shadow: inset 0 4px 0 var(--teal);
}

.result-rank {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    margin-bottom: 18px;
    color: var(--muted);
    font-size: 11px;
    font-weight: 750;
    letter-spacing: 0.08em;
}

.tier {
    padding: 5px 8px;
    color: var(--teal-dark);
    background: var(--teal-pale);
    border-radius: 7px;
    letter-spacing: 0;
}

.result-card h3 {
    margin: 0 0 17px;
    font-size: 18px;
}

.rate-line {
    display: flex;
    gap: 18px;
    margin-bottom: 18px;
}

.rate-line div {
    flex: 1;
}

.rate-line small,
.rate-line strong {
    display: block;
}

.rate-line small {
    margin-bottom: 4px;
    color: var(--muted);
    font-size: 10px;
}

.rate-line strong {
    font-size: 22px;
    letter-spacing: -0.03em;
}

.result-card ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.result-card li {
    margin: 8px 0;
    padding-left: 17px;
    position: relative;
    color: #52666b;
    font-size: 12px;
    line-height: 1.45;
}

.result-card li::before {
    position: absolute;
    left: 0;
    color: var(--teal);
    content: "✓";
    font-weight: 900;
}

.results-footer {
    padding: 20px 22px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 25px;
    background: var(--soft);
    border-radius: 16px;
}

/* Lead handoff status (sending / done / error) */
.handoff {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    max-width: 720px;
}

.handoff strong {
    display: block;
    font-family: var(--font-display);
    font-size: 18px;
}

.handoff p {
    margin: 4px 0 0;
    color: #34405a;
    font-size: 14px;
    line-height: 1.55;
}

.handoff__icon {
    flex: none;
    width: 40px;
    height: 40px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    color: #fff;
    font-weight: 900;
    background: var(--brand);
}

.handoff[data-state="sending"] .handoff__icon {
    border: 3px solid var(--teal-pale);
    border-top-color: var(--brand);
    background: transparent;
    animation: handoff-spin 0.9s linear infinite;
}

.handoff[data-state="done"] .handoff__icon {
    background: #16a34a;
}

.handoff[data-state="done"] .handoff__icon::before {
    content: "✓";
}

.handoff[data-state="error"] .handoff__icon {
    background: var(--danger);
}

.handoff[data-state="error"] .handoff__icon::before {
    content: "!";
}

.handoff-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    flex: none;
}

.handoff-actions a {
    text-decoration: none;
}

@keyframes handoff-spin {
    to { transform: rotate(360deg); }
}

.hp-field {
    position: absolute !important;
    left: -9999px;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

.results-footer p {
    margin: 0;
    color: #34405a;
    font-size: 13px;
    line-height: 1.5;
}

footer {
    padding: 26px clamp(20px, 5vw, 72px) 30px;
    display: grid;
    gap: 6px;
    color: rgba(255, 255, 255, 0.62);
    background: var(--surface);
    font-size: 12px;
    line-height: 1.55;
}

footer div {
    display: flex;
    flex-wrap: wrap;
    gap: 6px 18px;
    align-items: baseline;
}

footer strong {
    color: #fff;
    font-family: var(--font-display);
    font-size: 15px;
}

footer p {
    margin: 0;
}

footer a {
    color: #fff;
}

.entry-shell {
    min-height: calc(100vh - 134px);
    padding-top: 42px;
    padding-bottom: 56px;
}

.wizard-shell {
    width: min(1280px, calc(100% - 36px));
    min-height: calc(100vh - 144px);
    padding-top: 24px;
    padding-bottom: 40px;
}

.wizard-shell > .intro {
    display: none;
}

.entry-intro {
    max-width: 780px;
    margin-bottom: 24px;
}

.entry-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
}

.entry-card {
    min-height: 220px;
    padding: 26px;
    display: flex;
    align-items: flex-start;
    flex-direction: column;
    color: var(--ink);
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 20px;
    box-shadow: var(--shadow);
    text-decoration: none;
    transition: border-color 160ms ease, transform 160ms ease;
}

.entry-card:hover {
    border-color: var(--teal);
    transform: translateY(-2px);
}

.entry-card strong {
    margin-top: 14px;
    font-size: 25px;
}

.entry-card small {
    margin-top: 9px;
    color: var(--muted);
    font-size: 14px;
    line-height: 1.55;
}

.entry-card b {
    margin-top: auto;
    padding-top: 18px;
    color: var(--teal-dark);
    font-size: 13px;
}

.request-action,
.amount-feature,
.credit-detail {
    margin-top: 22px;
}

.fallback-panel {
    margin: 22px 0;
    padding: 20px;
    background: #fff8e8;
    border: 1px solid #ead59b;
    border-radius: 16px;
}

.fallback-panel > p {
    color: var(--muted);
    font-size: 13px;
    line-height: 1.5;
}

.fallback-panel .field {
    margin-bottom: 0;
}

.capacity-card {
    margin: 26px 0 10px;
    padding: 24px;
    color: #fff;
    background: var(--ink);
    border-radius: 17px;
}

.capacity-card small,
.capacity-card strong,
.capacity-card span {
    display: block;
}

.capacity-card small {
    color: #9fc6c2;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.08em;
}

.capacity-card strong {
    margin: 6px 0;
    font-size: clamp(31px, 5vw, 46px);
    letter-spacing: -0.04em;
}

.capacity-card span {
    color: #c6d6d8;
    font-size: 12px;
}

.no-match-notice {
    grid-column: 1 / -1;
}

@media (max-width: 1100px) {
    .product-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
}

@media (max-width: 900px) {
    .intro {
        align-items: flex-start;
        flex-direction: column;
        gap: 24px;
    }

    .intro-badge {
        width: 100%;
    }

    .application-layout {
        grid-template-columns: 1fr;
    }

    .summary-card {
        position: static;
        display: none;
    }

    .result-cards {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 760px) {
    .product-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 640px) {
    .site-header {
        height: 64px;
        padding: 0 18px;
    }

    .header-meta {
        font-size: 11px;
    }

    .header-secure,
    .header-phone span {
        display: none;
    }

    .brand img {
        height: 30px;
    }

    .page-shell {
        width: min(100% - 20px, 1160px);
        padding: 34px 0 50px;
    }

    .intro {
        margin-bottom: 22px;
    }

    .intro h1 {
        font-size: 40px;
    }

    .wizard-card,
    .results-panel {
        border-radius: 18px;
    }

    .progress-header {
        padding: 17px 19px;
    }

    #intake-form {
        padding: 28px 20px 22px;
    }

    .form-step {
        min-height: 430px;
    }

    .two-columns,
    .three-columns,
    .product-grid,
    .credit-grid,
    .score-bands,
    .field-row,
    .review-grid {
        grid-template-columns: 1fr;
    }

    .abn-lookup-row {
        grid-template-columns: 1fr;
    }

    .abn-lookup-button {
        width: 100%;
    }

    .entry-grid {
        grid-template-columns: 1fr;
    }

    .entry-card {
        min-height: 220px;
    }

    .modal-actions {
        grid-template-columns: 1fr;
    }

    .choice-card {
        min-height: 108px;
    }

    .credit-score-label-row,
    .score-bands-heading {
        align-items: flex-start;
        flex-direction: column;
    }

    .credit-score-lookup {
        width: 100%;
        justify-content: center;
    }

    .score-bands {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .pill-group {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
    }

    .pill-group label,
    .pill-group span {
        width: 100%;
    }

    .form-actions .button {
        flex: 1;
    }

    .results-heading,
    .results-footer {
        align-items: stretch;
        flex-direction: column;
    }

    footer {
        align-items: flex-start;
        flex-direction: column;
    }
}

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        scroll-behavior: auto !important;
        animation-duration: 0.01ms !important;
        transition-duration: 0.01ms !important;
    }
}

/* ==========================================================================
   Selectable controls – stronger contrast (DBS review, 29 Sep 2026)
   Cards, option buttons and bands must read as clickable, not disabled.
   ========================================================================== */
:root {
    --control-line: #b4bfd0;
    --control-shadow: 0 1px 2px rgba(8, 26, 58, 0.06), 0 4px 12px rgba(8, 26, 58, 0.05);
}

/* Product / choice cards */
.choice-card,
.score-bands label {
    border: 1.5px solid var(--control-line);
    box-shadow: var(--control-shadow);
}

.choice-card:hover,
.score-bands label:hover {
    border-color: var(--brand);
    box-shadow: 0 6px 18px color-mix(in srgb, var(--brand) 18%, transparent);
}

.choice-card strong {
    color: var(--ink);
}

.choice-card small {
    color: #4a5670;
}

/* Icons: solid brand tile with white glyph (inverted) */
.product-icon,
.asset-status-icon {
    color: #fff;
    background: var(--brand);
}

/* Selected card: filled brand tint, thick brand border, dark icon */
.choice-card:has(input:checked),
.score-bands label:has(input:checked) {
    color: var(--ink);
    background: color-mix(in srgb, var(--brand) 12%, #fff);
    border-color: var(--brand);
    box-shadow: inset 0 0 0 1.5px var(--brand), 0 6px 18px color-mix(in srgb, var(--brand) 22%, transparent);
}

.product-grid .choice-card:has(input:checked) .product-icon,
.asset-status-card:has(input:checked) .asset-status-icon {
    color: #fff;
    background: var(--surface);
}

/* Option buttons (finance purpose, loan term, frequency, etc.) */
.pill-group span {
    color: var(--ink);
    background: #fff;
    border: 1.5px solid var(--control-line);
    box-shadow: var(--control-shadow);
    font-size: 14px;
    transition: border-color 160ms ease, background 160ms ease, color 160ms ease, transform 160ms ease;
}

.pill-group label:hover span {
    border-color: var(--brand);
    transform: translateY(-1px);
}

.pill-group input:checked + span {
    color: #fff;
    background: var(--brand);
    border-color: var(--brand);
    box-shadow: 0 6px 16px color-mix(in srgb, var(--brand) 30%, transparent);
}

.pill-group input:focus-visible + span,
.choice-card:has(input:focus-visible) {
    outline: 3px solid color-mix(in srgb, var(--accent) 55%, transparent);
    outline-offset: 2px;
}

/* Text inputs + selects: match the stronger control border */
.field input[type="text"],
.field input[type="number"],
.field input[type="email"],
.field input[type="tel"],
.field select,
.money-input {
    border-color: var(--control-line);
}