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

/* --- CUSTOM VARIABLES / DESIGN SYSTEM (GRADIENT-FREE, GLASS-MAXIMISED & EMERALD-GREEN ONLY) --- */
:root {
  /* Color Tokens */
  --bg-deep: hsl(240, 25%, 3%);
  --bg-primary: hsl(240, 20%, 6%);
  --bg-secondary: hsl(240, 18%, 10%);
  
  /* Core Glassmorphic Parameters */
  --glass-bg: rgba(255, 255, 255, 0.025);
  --glass-bg-hover: rgba(255, 255, 255, 0.05);
  --glass-bg-active: rgba(255, 255, 255, 0.08);
  --glass-border: rgba(255, 255, 255, 0.08);
  --glass-border-glow: rgba(10, 100, 180, 0.35); /* Glow using emerald green */
  --glass-blur: blur(25px);
  --glass-blur-heavy: blur(40px);
  
  --border-light: rgba(255, 255, 255, 0.06);
  
  /* Typography Colors */
  --text-primary: hsl(0, 0%, 96%);
  --text-secondary: hsl(240, 10%, 72%);
  --text-muted: hsl(240, 8%, 52%);
  
  /* Brand Blue Accent Colorway (Redefined: Emerald Green replaced with brand logo blue #0a64b4) */
  --accent-blue: hsl(208, 90%, 37%); /* #0a64b4 */
  --accent-blue-hover: hsl(208, 85%, 45%); /* Lighter brand royal blue #157fdc for readability on hover */
  --accent-magenta: hsl(330, 100%, 50%);
  
  --success: hsl(142, 70%, 50%);
  --error: hsl(0, 85%, 60%);
  --warning: hsl(38, 90%, 55%);
  
  /* Shadows & Highlights */
  --shadow-premium: 0 25px 60px rgba(0, 0, 0, 0.6), inset 0 1px 0 rgba(255, 255, 255, 0.08);
  --shadow-glass-inset: inset 0 1px 1px rgba(255, 255, 255, 0.05), inset 0 -1px 2px rgba(0, 0, 0, 0.3);
  
  /* Typography & Layout Defaults */
  --font-display: 'Outfit', sans-serif;
  --font-body: 'Inter', sans-serif;
  --transition-smooth: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-fast: all 0.2s ease;
}

/* Light Mode Variables Override (Nordic Glassmorphic Styling) */
[data-theme="light"] {
  --bg-deep: hsl(240, 20%, 95%);
  --bg-primary: hsl(240, 20%, 97%);
  --bg-secondary: hsl(0, 0%, 100%);
  
  --glass-bg: rgba(255, 255, 255, 0.5);
  --glass-bg-hover: rgba(255, 255, 255, 0.7);
  --glass-bg-active: rgba(255, 255, 255, 0.9);
  --glass-border: rgba(0, 0, 0, 0.07);
  --glass-border-glow: rgba(10, 100, 180, 0.2);
  
  --border-light: rgba(0, 0, 0, 0.05);
  
  --text-primary: hsl(240, 25%, 12%);
  --text-secondary: hsl(240, 15%, 38%);
  --text-muted: hsl(240, 10%, 58%);
  
  --accent-blue: hsl(208, 90%, 37%); /* Retained signature emerald green */
  --accent-blue-hover: hsl(208, 85%, 45%);
  --accent-magenta: hsl(330, 90%, 45%);
  
  --shadow-premium: 0 25px 50px rgba(0, 0, 0, 0.06), inset 0 1px 0 rgba(255, 255, 255, 0.85);
  --shadow-glass-inset: inset 0 1px 1px rgba(255, 255, 255, 0.85), inset 0 -1px 2px rgba(0, 0, 0, 0.05);
}

/* --- BASICS & RESET --- */
* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  font-family: var(--font-body);
  background-color: var(--bg-deep);
  color: var(--text-primary);
  line-height: 1.6;
  overflow-x: hidden;
  transition: background-color 0.4s ease, color 0.4s ease;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.02em;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition-fast);
}

button {
  font-family: var(--font-body);
  cursor: pointer;
  border: none;
  outline: none;
  background: none;
  transition: var(--transition-smooth);
}

/* --- HYPER-RESPONSIVE FULL-WIDTH WRAPPER --- */
.container {
  width: 100%;
  max-width: 95vw;
  margin: 0 auto;
  padding: 0 clamp(1rem, 4vw, 4rem);
  position: relative;
  z-index: 1;
}

/* --- STICKY GLASS NAVBAR --- */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 100;
  padding: clamp(0.8rem, 2vw, 1.25rem) 0;
  background: rgba(8, 8, 22, 0.5);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-bottom: 1px solid var(--glass-border);
  box-shadow: var(--shadow-glass-inset);
  transition: var(--transition-smooth);
}

[data-theme="light"] .navbar {
  background: rgba(240, 240, 248, 0.5);
}

.navbar.scrolled {
  padding: 0.75rem 0;
  background: rgba(8, 8, 22, 0.8);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.4), var(--shadow-glass-inset);
}

[data-theme="light"] .navbar.scrolled {
  background: rgba(255, 255, 255, 0.85);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.04), var(--shadow-glass-inset);
}

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

.logo {
  display: flex;
  align-items: center;
  transition: var(--transition-smooth);
}

.logo-img {
  height: clamp(50px, 6vw, 68px);
  width: auto;
  display: block;
  object-fit: contain;
  transition: var(--transition-smooth);
}

/* Hover micro-animation */
.logo:hover .logo-img {
  transform: scale(1.02);
}

/* Dark mode: make the logo solid premium white for ultimate fintech look. 
   If you prefer the original colorful logo in dark mode, comment out the filter below 
   and uncomment the capsule backing styles below. */
html:not([data-theme="light"]) .logo-img {
  filter: brightness(0) invert(1);
}

/* 
html:not([data-theme="light"]) .logo {
  background: rgba(255, 255, 255, 0.06);
  padding: 0.4rem 0.8rem;
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow: var(--shadow-glass-inset);
}
*/

.nav-links {
  display: flex;
  align-items: center;
  gap: clamp(1rem, 2.5vw, 2.5rem);
}

.nav-link {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-secondary);
}

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

.nav-actions {
  display: flex;
  align-items: center;
  gap: clamp(0.75rem, 1.5vw, 1.25rem);
}

/* Theme Toggle Button */
.theme-btn {
  width: clamp(2.2rem, 3vw, 2.5rem);
  height: clamp(2.2rem, 3vw, 2.5rem);
  border-radius: 50%;
  border: 1px solid var(--glass-border);
  background: var(--glass-bg);
  color: var(--text-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  position: relative;
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  box-shadow: var(--shadow-glass-inset);
}

.theme-btn:hover {
  background: var(--glass-bg-hover);
  border-color: var(--text-secondary);
}

.theme-btn svg {
  width: 1.2rem;
  height: 1.2rem;
  fill: currentColor;
  transition: transform 0.5s ease;
}

.theme-btn .sun {
  display: none;
}

[data-theme="light"] .theme-btn .moon {
  display: none;
}

[data-theme="light"] .theme-btn .sun {
  display: block;
}

/* Premium Buttons */
.btn {
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0.75rem clamp(1.25rem, 2vw, 2rem);
  border-radius: 80px;
  position: relative;
  overflow: hidden;
  z-index: 1;
  white-space: nowrap;
}

.btn-secondary {
  color: var(--text-primary);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  box-shadow: var(--shadow-glass-inset);
}

.btn-secondary:hover {
  background: var(--glass-bg-hover);
  border-color: var(--text-secondary);
  transform: translateY(-2px);
}

.btn-primary {
  color: white;
  background: var(--accent-blue);
  box-shadow: 0 8px 20px rgba(10, 100, 180, 0.3);
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.btn-primary:hover {
  transform: translateY(-2px);
  background: var(--accent-blue-hover);
  color: white;
  box-shadow: 0 12px 28px rgba(10, 100, 180, 0.45);
  border-color: rgba(255, 255, 255, 0.3);
}

.btn-primary:active {
  transform: translateY(1px);
}

@media (max-width: 992px) {
  .nav-links {
    display: none;
  }
}

/* --- HERO SECTION --- */
.hero {
  padding-top: clamp(8rem, 15vw, 11rem);
  padding-bottom: clamp(3rem, 8vw, 6rem);
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
}

.hero-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(480px, 100%), 1fr));
  gap: clamp(3rem, 6vw, 6rem);
  align-items: center;
  width: 100%;
}

.hero-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  z-index: 2;
}

.badge-wrapper {
  margin-bottom: 1.5rem;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 1rem;
  border-radius: 40px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  color: var(--accent-blue);
  font-size: 0.85rem;
  font-weight: 600;
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  box-shadow: var(--shadow-glass-inset);
}

.hero-title {
  font-size: clamp(2.3rem, 5.5vw, 4.4rem);
  line-height: 1.1;
  margin-bottom: 1.5rem;
}

.hero-title span {
  color: var(--accent-blue); /* Replaced Emerald Green highlight with logo Brand Blue #0a64b4 */
}

.hero-subtitle {
  font-size: clamp(1rem, 1.5vw, 1.2rem);
  color: var(--text-secondary);
  margin-bottom: 2.5rem;
  max-width: 600px;
}

.hero-ctas {
  display: flex;
  align-items: center;
  gap: clamp(1rem, 2vw, 1.5rem);
  margin-bottom: 3.5rem;
  flex-wrap: wrap;
}

.hero-social-proof {
  display: flex;
  align-items: center;
  gap: clamp(1.5rem, 4vw, 3.5rem);
  flex-wrap: wrap;
}

.proof-item {
  display: flex;
  flex-direction: column;
}

.proof-val {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 800;
  line-height: 1;
  color: var(--text-primary);
}

.proof-label {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 0.25rem;
}

.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
}

/* Glassmorphic Hero Flow Animation Wrapper */
.flow-animation-box {
  width: 100%;
  max-width: 520px;
  border-radius: 24px;
  box-shadow: var(--shadow-premium);
  border: 1px solid var(--glass-border);
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  padding: clamp(2rem, 3.5vw, 3rem) clamp(1.25rem, 2.5vw, 2.25rem);
  box-shadow: var(--shadow-glass-inset);
  transition: var(--transition-smooth);
}

.flow-animation-box:hover {
  transform: scale(1.01) translateY(-2px);
}

.flow-animation-container {
  display: flex;
  flex-direction: column;
  align-items: center;
  width: 100%;
  position: relative;
}

/* Individual flow nodes */
.flow-node {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  width: 100%;
  padding: 1.15rem 1.5rem;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.01);
  border: 1px solid rgba(255, 255, 255, 0.03);
  box-shadow: var(--shadow-glass-inset);
  transition: var(--transition-smooth);
  position: relative;
  overflow: hidden;
}

.flow-node.active {
  background: rgba(10, 100, 180, 0.08);
  border-color: var(--accent-blue);
  box-shadow: 0 0 25px rgba(10, 100, 180, 0.15), var(--shadow-glass-inset);
}

[data-theme="light"] .flow-node.active {
  background: rgba(10, 100, 180, 0.05);
}

/* Icon wrap */
.fn-icon-wrap {
  width: 3.25rem;
  height: 3.25rem;
  border-radius: 50%;
  background: var(--glass-bg-active);
  border: 1px solid var(--glass-border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  box-shadow: var(--shadow-glass-inset);
  transition: var(--transition-smooth);
}

.flow-node.active .fn-icon-wrap {
  background: var(--accent-blue);
  color: white;
  box-shadow: 0 0 15px rgba(10, 100, 180, 0.4);
  border-color: transparent;
}

/* Info container */
.fn-info {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}

.fn-title {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-muted);
  transition: var(--transition-smooth);
}

.flow-node.active .fn-title {
  color: var(--text-primary);
}

.fn-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
  transition: var(--transition-smooth);
}

.flow-node.active .fn-desc {
  color: var(--text-secondary);
}

/* Connectors */
.flow-connector {
  width: 3px;
  height: 35px;
  background: rgba(255, 255, 255, 0.04);
  position: relative;
  overflow: hidden;
  margin: 0.4rem 0;
  border-radius: 4px;
}

[data-theme="light"] .flow-connector {
  background: rgba(0, 0, 0, 0.04);
}

.flow-connector.active {
  background: rgba(10, 100, 180, 0.2);
}

.connector-glow {
  position: absolute;
  top: -20px;
  left: 0;
  width: 100%;
  height: 20px;
  background: var(--accent-blue);
  filter: blur(1px);
}

.flow-connector.active .connector-glow {
  animation: connector-flow 1.5s cubic-bezier(0.4, 0, 0.2, 1) infinite;
}

@keyframes connector-flow {
  0% { top: -20px; }
  100% { top: 100%; }
}

/* Floating Glass Cards */
.floating-card {
  position: absolute;
  padding: 1rem 1.25rem;
  border-radius: 16px;
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  box-shadow: 0 15px 30px rgba(0, 0, 0, 0.35), var(--shadow-glass-inset);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  z-index: 10;
  animation: float-card 6s infinite ease-in-out alternate;
}

.fc-1 {
  bottom: 8%;
  left: -5%;
}

.fc-2 {
  top: 12%;
  right: -3%;
  animation-delay: -3s;
}

.fc-icon {
  width: 2.2rem;
  height: 2.2rem;
  border-radius: 50%;
  background: var(--accent-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
}

.fc-text {
  display: flex;
  flex-direction: column;
}

.fc-title {
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-primary);
}

.fc-subtitle {
  font-size: 0.75rem;
  color: var(--text-secondary);
}

@keyframes float-card {
  0% { transform: translateY(0); }
  100% { transform: translateY(-15px); }
}

@media (max-width: 576px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .hero-content {
    align-items: center;
    text-align: center;
  }
  .hero-subtitle {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-ctas {
    justify-content: center;
    width: 100%;
  }
  .hero-ctas button, .hero-ctas a {
    width: 100%;
  }
  .hero-social-proof {
    justify-content: center;
    width: 100%;
  }
  .floating-card {
    display: none;
  }
}

/* --- UK FCA COMPLIANCE BANNER --- */
.compliance-banner {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-top: 1px solid var(--glass-border);
  border-bottom: 1px solid var(--glass-border);
  box-shadow: var(--shadow-glass-inset);
  padding: 1.25rem 0;
  font-size: 0.75rem;
  color: var(--text-muted);
  text-align: center;
  z-index: 10;
  position: relative;
}

.compliance-grid {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}

.compliance-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.compliance-item svg {
  color: var(--accent-blue);
  width: 14px;
  height: 14px;
  flex-shrink: 0;
}

/* --- SECTIONS SPACING --- */
.calc-section, .benefits-section, .reviews-section, .faq-section {
  padding: clamp(4rem, 8vw, 8rem) 0;
  position: relative;
  width: 100%;
}

.section-header {
  text-align: center;
  margin-bottom: clamp(2.5rem, 5vw, 4.5rem);
}

.section-badge {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--accent-blue);
  display: inline-block;
  margin-bottom: 0.75rem;
}

.section-title {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  margin-bottom: 1rem;
}

.section-subtitle {
  color: var(--text-secondary);
  font-size: clamp(0.95rem, 1.5vw, 1.1rem);
  max-width: 650px;
  margin: 0 auto;
}

/* High-Premium Glassmorphic Calculator Panel */
.calculator-box {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur-heavy);
  -webkit-backdrop-filter: var(--glass-blur-heavy);
  border: 1px solid var(--glass-border);
  border-radius: 28px;
  padding: clamp(1.5rem, 3.5vw, 3.5rem);
  box-shadow: var(--shadow-premium), var(--shadow-glass-inset);
  display: grid;
  grid-template-columns: 1.15fr 0.85fr; /* Explicit 2-column split to eliminate empty 3rd column */
  gap: clamp(2rem, 5vw, 4rem);
  position: relative;
  overflow: hidden;
  width: 100%;
}

.calculator-box::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: var(--accent-blue);
}

.sliders-panel {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  width: 100%;
}

.slider-group {
  display: flex;
  flex-direction: column;
}

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
}

.slider-label {
  font-family: var(--font-display);
  font-size: clamp(0.95rem, 1.5vw, 1.1rem);
  font-weight: 600;
  color: var(--text-primary);
}

/* Glass Value display box */
.slider-val-box {
  font-family: var(--font-display);
  font-size: clamp(1.2rem, 2vw, 1.6rem);
  font-weight: 700;
  color: var(--accent-blue);
  background: rgba(10, 100, 180, 0.05);
  border: 1px solid rgba(10, 100, 180, 0.15);
  padding: 0.25rem 1rem;
  border-radius: 8px;
}

/* Range sliders */
.slider-input-container {
  position: relative;
  width: 100%;
  display: flex;
  align-items: center;
}

.range-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
  outline: none;
}

[data-theme="light"] .range-slider {
  background: rgba(0, 0, 0, 0.08);
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: white;
  border: 4px solid var(--accent-blue);
  cursor: pointer;
  box-shadow: 0 0 12px rgba(10, 100, 180, 0.8);
  transition: transform 0.1s ease, background 0.1s ease;
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  background: var(--accent-blue-hover);
  border-color: white;
  box-shadow: 0 0 15px rgba(10, 100, 180, 0.9);
}

.range-slider::-webkit-slider-thumb:active {
  transform: scale(1.3);
}

.range-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: white;
  border: 4px solid var(--accent-blue);
  cursor: pointer;
  box-shadow: 0 0 12px rgba(10, 100, 180, 0.8);
  transition: transform 0.1s ease, background 0.1s ease;
}

.range-slider::-moz-range-thumb:hover {
  transform: scale(1.2);
  background: var(--accent-blue-hover);
  border-color: white;
  box-shadow: 0 0 15px rgba(10, 100, 180, 0.9);
}

.range-slider::-moz-range-thumb:active {
  transform: scale(1.3);
}

.slider-limits {
  display: flex;
  justify-content: space-between;
  margin-top: 0.5rem;
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 500;
}

/* Summary Panel Glass Card inside Calculator */
.summary-panel {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: 20px;
  padding: clamp(1.5rem, 2.5vw, 2.5rem);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-glass-inset);
  width: 100%;
}

.sum-items {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.sum-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px dashed var(--border-light);
  padding-bottom: 1rem;
}

.sum-row:last-child {
  border-bottom: none;
}

.sum-label {
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.sum-val {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
}

.sum-val-large {
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: var(--accent-blue); /* Replaced Emerald Green with logo Brand Blue #0a64b4 */
}

.calc-action-btn {
  width: 100%;
  margin-top: 2rem;
  padding: 1.1rem;
  font-size: 1.1rem;
  letter-spacing: 0.02em;
  background: var(--accent-blue);
  box-shadow: 0 10px 25px rgba(10, 100, 180, 0.3);
}

.calc-action-btn:hover {
  background: var(--accent-blue-hover);
  box-shadow: 0 12px 28px rgba(10, 100, 180, 0.45);
}

.calc-disclaimer {
  grid-column: 1 / -1;
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.5;
  border-top: 1px solid var(--border-light);
  padding-top: 1.5rem;
  margin-top: 1rem;
}

.calc-disclaimer strong {
  color: var(--text-secondary);
}

@media (max-width: 950px) {
  .calculator-box {
    grid-template-columns: 1fr;
    padding: 1.25rem;
  }
}

/* --- BENEFITS SECTION --- */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(270px, 100%), 1fr));
  gap: clamp(1.5rem, 3vw, 2.5rem);
  width: 100%;
}

.benefit-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: 20px;
  padding: clamp(2rem, 3vw, 3rem) clamp(1.5rem, 2.5vw, 2.5rem);
  box-shadow: var(--shadow-glass-inset);
  transition: var(--transition-smooth);
  position: relative;
  overflow: hidden;
  height: 100%;
}

.benefit-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--accent-blue);
  opacity: 0;
  transition: var(--transition-fast);
}

.benefit-card:hover {
  background: var(--glass-bg-hover);
  transform: translateY(-8px);
  border-color: var(--border-glow);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.25), var(--shadow-glass-inset);
}

.benefit-card:hover::before {
  opacity: 1;
}

.benefit-icon {
  width: 3.5rem;
  height: 3.5rem;
  border-radius: 12px;
  background: var(--glass-bg-active);
  border: 1px solid var(--glass-border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  color: var(--accent-blue);
  box-shadow: var(--shadow-glass-inset);
  transition: var(--transition-smooth);
}

.benefit-card:hover .benefit-icon {
  background: var(--accent-blue);
  color: white;
  transform: rotate(5deg) scale(1.05);
}

.benefit-card h3 {
  font-size: clamp(1.1rem, 2vw, 1.3rem);
  margin-bottom: 0.75rem;
}

.benefit-card p {
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.5;
}

/* --- MULTI-STEP LOAN APPLICATION MODAL OVERLAY --- */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(4, 4, 10, 0.65);
  backdrop-filter: blur(15px);
  -webkit-backdrop-filter: blur(15px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.modal-overlay.active {
  opacity: 1;
  pointer-events: all;
}

/* Fluid responsive glassmorphic modal box */
.modal-box {
  background: rgba(14, 13, 38, 0.7);
  border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur-heavy);
  -webkit-backdrop-filter: var(--glass-blur-heavy);
  width: clamp(320px, 95%, 680px);
  max-height: 90vh;
  border-radius: 24px;
  box-shadow: var(--shadow-premium), var(--shadow-glass-inset);
  position: relative;
  overflow: hidden;
  transform: scale(0.9) translateY(20px);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
}

[data-theme="light"] .modal-box {
  background: rgba(255, 255, 255, 0.85);
}

.modal-overlay.active .modal-box {
  transform: scale(1) translateY(0);
}

/* Mobile drawer behavior */
@media (max-width: 576px) {
  .modal-overlay {
    align-items: flex-end;
  }
  .modal-box {
    width: 100%;
    max-height: 94vh;
    border-radius: 24px 24px 0 0;
    transform: translateY(100%);
    border-bottom: none;
  }
  .modal-overlay.active .modal-box {
    transform: translateY(0);
  }
}

/* Modal header */
.modal-header {
  padding: 1.5rem clamp(1.25rem, 3vw, 2rem);
  border-bottom: 1px solid var(--border-light);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.modal-title-box h3 {
  font-size: clamp(1.1rem, 2vw, 1.35rem);
  margin-bottom: 0.25rem;
}

.modal-title-box p {
  font-size: 0.8rem;
  color: var(--text-secondary);
}

.modal-close-btn {
  color: var(--text-secondary);
  font-size: 1.5rem;
  width: 2.2rem;
  height: 2.2rem;
  border-radius: 50%;
  border: 1px solid var(--glass-border);
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  box-shadow: var(--shadow-glass-inset);
  display: flex;
  align-items: center;
  justify-content: center;
}

.modal-close-btn:hover {
  color: var(--text-primary);
  background: var(--glass-bg-hover);
}

/* Modal Progress Bar */
.progress-container {
  width: 100%;
  height: 4px;
  background: rgba(255, 255, 255, 0.05);
  position: relative;
}

.progress-bar {
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  width: 25%;
  background: var(--accent-blue);
  transition: width 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Modal Body */
.modal-body {
  padding: clamp(1.5rem, 4vw, 2.5rem) clamp(1.25rem, 3vw, 2rem);
  max-height: 70vh;
  overflow-y: auto;
}

/* Step container transitions */
.form-step {
  display: none;
  flex-direction: column;
  gap: 1.5rem;
}

.form-step.active {
  display: flex;
  animation: step-in 0.4s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

@keyframes step-in {
  from { opacity: 0; transform: translateX(20px); }
  to { opacity: 1; transform: translateX(0); }
}

.form-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
}

.input-group {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  width: 100%;
}

.input-group label {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-secondary);
}

/* Form Glass inputs */
.input-group input, .input-group select {
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  box-shadow: var(--shadow-glass-inset);
  color: var(--text-primary);
  padding: 0.85rem 1rem;
  border-radius: 10px;
  outline: none;
  transition: var(--transition-fast);
  width: 100%;
}

.input-group input:focus, .input-group select:focus {
  border-color: var(--accent-blue);
  box-shadow: 0 0 12px rgba(10, 100, 180, 0.25), var(--shadow-glass-inset);
  background: var(--glass-bg-hover);
}

/* Validations and error text */
.input-group.error input {
  border-color: var(--error);
  box-shadow: 0 0 10px rgba(255, 0, 0, 0.15);
}

.input-group.error label {
  color: var(--error);
}

.error-txt {
  font-size: 0.75rem;
  color: var(--error);
  display: none;
}

.input-group.error .error-txt {
  display: block;
}

/* Form badge summary */
.form-summary-badge {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: 12px;
  padding: 1rem;
  margin-bottom: 0.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  box-shadow: var(--shadow-glass-inset);
}

.fs-left {
  display: flex;
  flex-direction: column;
}

.fs-title {
  font-size: 0.75rem;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.fs-val {
  font-family: var(--font-display);
  font-size: clamp(1.1rem, 2vw, 1.25rem);
  font-weight: 700;
  color: var(--accent-blue);
}

/* Modal Footer */
.modal-footer {
  padding: 1.25rem clamp(1.25rem, 3vw, 2rem);
  border-top: 1px solid var(--border-light);
  display: flex;
  justify-content: space-between;
  gap: 1rem;
}

.modal-footer button {
  padding: 0.85rem 1.75rem;
  font-size: 0.95rem;
  flex: 1;
}

/* Success details screen */
.success-box {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 1rem 0;
}

.success-icon-wrap {
  width: 4.5rem;
  height: 4.5rem;
  border-radius: 50%;
  background: rgba(142, 222, 142, 0.1);
  color: var(--success);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.2rem;
  margin-bottom: 1.5rem;
  animation: pulse-success 2s infinite;
}

@keyframes pulse-success {
  0% { transform: scale(1); box-shadow: 0 0 0 0 rgba(142, 222, 142, 0.4); }
  70% { transform: scale(1.05); box-shadow: 0 0 0 15px rgba(142, 222, 142, 0); }
  100% { transform: scale(1); box-shadow: 0 0 0 0 rgba(142, 222, 142, 0); }
}

.success-box h4 {
  font-size: clamp(1.3rem, 2.5vw, 1.5rem);
  margin-bottom: 0.5rem;
  color: var(--text-primary);
}

.success-box p {
  color: var(--text-secondary);
  font-size: 0.95rem;
  margin-bottom: 1.5rem;
  max-width: 320px;
}

/* Success layout metrics card */
.success-summary {
  width: 100%;
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: 12px;
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 2rem;
  border: 1px solid var(--glass-border);
  box-shadow: var(--shadow-glass-inset);
}

.success-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
}

.success-row span:first-child {
  color: var(--text-secondary);
}

.success-row span:last-child {
  font-weight: 600;
  color: var(--text-primary);
}

/* Confetti overlay */
.confetti-canvas {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 100;
}

/* --- FAQ ACCORDION SECTION --- */
.faq-grid {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  width: 100%;
}

/* FAQ glassmorphism */
.faq-item {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: 16px;
  box-shadow: var(--shadow-glass-inset);
  overflow: hidden;
  transition: var(--transition-smooth);
  width: 100%;
}

.faq-item:hover {
  background: var(--glass-bg-hover);
  border-color: var(--border-glow);
}

.faq-trigger {
  width: 100%;
  padding: clamp(1.25rem, 2vw, 1.5rem) clamp(1.25rem, 3vw, 2rem);
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  color: var(--text-primary);
}

.faq-trigger h4 {
  font-size: clamp(0.95rem, 1.8vw, 1.1rem);
  font-weight: 600;
  padding-right: 1.5rem;
}

.faq-chevron {
  font-size: 1.2rem;
  color: var(--text-secondary);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  flex-shrink: 0;
}

.faq-item.active .faq-chevron {
  transform: rotate(180deg);
  color: var(--accent-blue);
}

.faq-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-content-inner {
  padding: 0 clamp(1.25rem, 3vw, 2rem) 1.5rem clamp(1.25rem, 3vw, 2rem);
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* --- TESTIMONIALS SLIDER SECTION --- */
.reviews-carousel-container {
  max-width: 900px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
  padding: 1rem;
  width: 100%;
}

.reviews-track {
  display: flex;
  transition: transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

.review-slide {
  min-width: 100%;
  padding: 0.5rem;
  box-sizing: border-box;
}

/* Review glassmorphism card */
.review-card {
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--glass-border);
  border-radius: 24px;
  padding: clamp(2rem, 4vw, 3.5rem) clamp(1.5rem, 3vw, 3rem);
  box-shadow: var(--shadow-premium), var(--shadow-glass-inset);
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  position: relative;
  width: 100%;
}

.stars {
  display: flex;
  gap: 0.25rem;
  color: hsl(45, 100%, 50%);
}

.review-text {
  font-size: clamp(1rem, 1.8vw, 1.2rem);
  font-style: italic;
  line-height: 1.6;
  color: var(--text-primary);
}

.review-author {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.author-avatar {
  width: 3rem;
  height: 3rem;
  border-radius: 50%;
  background: var(--accent-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: white;
}

.author-info {
  display: flex;
  flex-direction: column;
}

.author-name {
  font-weight: 600;
  color: var(--text-primary);
}

.author-meta {
  font-size: 0.8rem;
  color: var(--text-muted);
}

.reviews-nav {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 1.5rem;
  margin-top: 2rem;
}

.rev-nav-btn {
  width: 2.75rem;
  height: 2.75rem;
  border-radius: 50%;
  border: 1px solid var(--glass-border);
  background: var(--glass-bg);
  color: var(--text-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-glass-inset);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
}

.rev-nav-btn:hover {
  background: var(--glass-bg-hover);
  border-color: var(--text-secondary);
}

.reviews-dots {
  display: flex;
  gap: 0.5rem;
}

.rev-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.15);
  cursor: pointer;
  transition: var(--transition-fast);
}

[data-theme="light"] .rev-dot {
  background: rgba(0, 0, 0, 0.15);
}

.rev-dot.active {
  background: var(--accent-blue);
  width: 24px;
  border-radius: 4px;
}

/* --- FOOTER --- */
.footer {
  background: hsl(240, 25%, 2%);
  border-top: 1px solid var(--border-light);
  padding: clamp(3rem, 6vw, 6rem) 0 clamp(2rem, 4vw, 4rem) 0;
  position: relative;
  z-index: 10;
  width: 100%;
}

[data-theme="light"] .footer {
  background: hsl(240, 20%, 93%);
}

.footer-top {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(220px, 100%), 1fr));
  gap: clamp(2rem, 4vw, 4rem);
  margin-bottom: 4rem;
  width: 100%;
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.footer-desc {
  color: var(--text-secondary);
  font-size: 0.9rem;
  max-width: 320px;
}

.footer-col h5 {
  font-size: 1rem;
  margin-bottom: 1.5rem;
  color: var(--text-primary);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.footer-links a {
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.footer-links a:hover {
  color: var(--accent-blue);
  padding-left: 4px;
}

.footer-legal-box {
  border-top: 1px solid var(--border-light);
  padding-top: 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.6;
  width: 100%;
}

.f-compliance-text strong {
  color: var(--text-secondary);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
  width: 100%;
}

.social-links {
  display: flex;
  gap: 1rem;
}

.social-icon {
  width: 2.2rem;
  height: 2.2rem;
  border-radius: 50%;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  box-shadow: var(--shadow-glass-inset);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-secondary);
}

.social-icon:hover {
  color: white;
  background: var(--accent-blue);
  border-color: transparent;
}

@media (max-width: 768px) {
  .footer-top {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
}

/* --- GBX MARKETS COMPARISON TABLE --- */
.markets-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 800px;
  text-align: left;
  font-size: 0.95rem;
  color: var(--text-secondary);
}
.markets-table th, .markets-table td {
  padding: 1.25rem 1.5rem !important;
  transition: var(--transition-fast);
}
.markets-table th {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-primary);
}
.markets-table tr {
  border-bottom: 1px solid var(--border-light);
}
.markets-table tr:last-child {
  border-bottom: none;
}
.markets-table tbody tr:hover {
  background: rgba(255, 255, 255, 0.015);
}
[data-theme="light"] .markets-table tbody tr:hover {
  background: rgba(0, 0, 0, 0.015);
}