/* ============================================================
   AM Finance — Global Design System
   ============================================================ */

/* --- Design Tokens --- */
:root {
    --navy:        #0a193c;
    --navy-mid:    #0d2050;
    --navy-light:  #132a6b;
    --gold:        #C9A84C;
    --gold-light:  #e8c96a;
    --gold-dark:   #a07b28;
    --teal:        #0c7b7b;
    --teal-light:  #0fa8a8;
    --white:       #ffffff;
    --off-white:   #f7f8fc;
    --light-gray:  #eef0f6;
    --mid-gray:    #9ba3bb;
    --dark-gray:   #3d4560;
    --text-body:   #2c3352;
    --text-muted:  #6b7494;
    --border:      rgba(10,25,60,0.1);
    --shadow-sm:   0 2px 12px rgba(10,25,60,0.07);
    --shadow-md:   0 6px 30px rgba(10,25,60,0.12);
    --shadow-lg:   0 16px 60px rgba(10,25,60,0.18);
    --radius-sm:   4px;
    --radius-md:   8px;
    --radius-lg:   16px;
    --transition:  0.25s ease;
}

/* --- Base Reset & Typography --- */
*, *::before, *::after { box-sizing: border-box; }

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

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--text-body);
    background: var(--white);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    margin: 0;
    padding: 0;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
    color: var(--navy);
    line-height: 1.2;
    font-weight: 700;
    margin-top: 0;
}

p { margin-top: 0; color: var(--text-body); }

a { color: var(--navy); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }

img { max-width: 100%; height: auto; }

/* --- Utility Classes --- */
.text-gold { color: var(--gold) !important; }
.text-navy { color: var(--navy) !important; }
.text-white { color: var(--white) !important; }
.text-muted-custom { color: var(--text-muted) !important; }
.bg-navy { background-color: var(--navy) !important; }
.bg-navy-mid { background-color: var(--navy-mid) !important; }
.bg-off-white { background-color: var(--off-white) !important; }
.bg-light-gray { background-color: var(--light-gray) !important; }

/* --- CTA Buttons --- */
.btn-cta-primary {
    display: inline-block;
    font-family: 'Inter', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--navy);
    background: var(--gold);
    border: 2px solid var(--gold);
    border-radius: var(--radius-sm);
    padding: 0.8rem 2rem;
    transition: all var(--transition);
    cursor: pointer;
    text-decoration: none;
    white-space: nowrap;
}

.btn-cta-primary:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    color: var(--white);
    transform: translateY(-1px);
    box-shadow: 0 4px 20px rgba(201,168,76,0.35);
}

.btn-cta-secondary {
    display: inline-block;
    font-family: 'Inter', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--white);
    background: transparent;
    border: 2px solid rgba(255,255,255,0.6);
    border-radius: var(--radius-sm);
    padding: 0.8rem 2rem;
    transition: all var(--transition);
    cursor: pointer;
    text-decoration: none;
    white-space: nowrap;
}

.btn-cta-secondary:hover {
    background: rgba(255,255,255,0.1);
    border-color: var(--white);
    color: var(--white);
    transform: translateY(-1px);
}

.btn-cta-dark {
    display: inline-block;
    font-family: 'Inter', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--white);
    background: var(--navy);
    border: 2px solid var(--navy);
    border-radius: var(--radius-sm);
    padding: 0.8rem 2rem;
    transition: all var(--transition);
    cursor: pointer;
    text-decoration: none;
}

.btn-cta-dark:hover {
    background: var(--navy-mid);
    border-color: var(--navy-mid);
    color: var(--white);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn-whatsapp {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-family: 'Inter', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--white);
    background: #25D366;
    border: 2px solid #25D366;
    border-radius: var(--radius-sm);
    padding: 0.8rem 1.8rem;
    transition: all var(--transition);
    text-decoration: none;
}

.btn-whatsapp:hover {
    background: #1da851;
    border-color: #1da851;
    color: var(--white);
    transform: translateY(-1px);
}

/* --- Section Layout --- */
.section-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.section-pad {
    padding: 6rem 0;
}

.section-pad-sm {
    padding: 4rem 0;
}

.section-label {
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.75rem;
    display: block;
}

.section-title {
    font-size: clamp(1.75rem, 3.5vw, 2.75rem);
    color: var(--navy);
    margin-bottom: 1rem;
}

.section-title-white {
    font-size: clamp(1.75rem, 3.5vw, 2.75rem);
    color: var(--white);
    margin-bottom: 1rem;
}

.section-subtitle {
    font-size: 1.05rem;
    color: var(--text-muted);
    max-width: 600px;
    line-height: 1.7;
    margin-bottom: 0;
}

.section-subtitle-white {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.72);
    max-width: 600px;
    line-height: 1.7;
}

.divider-gold {
    width: 48px;
    height: 3px;
    background: var(--gold);
    border-radius: 2px;
    margin: 1.25rem 0;
}

/* --- Cards --- */
.card-premium {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 2rem;
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition), box-shadow var(--transition);
}

.card-premium:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.card-premium-dark {
    background: var(--navy-mid);
    border: 1px solid rgba(255,255,255,0.07);
    border-radius: var(--radius-md);
    padding: 2rem;
    transition: transform var(--transition), box-shadow var(--transition);
}

.card-premium-dark:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 40px rgba(0,0,0,0.3);
}

.card-icon {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-sm);
    background: linear-gradient(135deg, rgba(201,168,76,0.15), rgba(201,168,76,0.05));
    border: 1px solid rgba(201,168,76,0.25);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.25rem;
    font-size: 1.4rem;
}

/* --- Trust / Badge Strip --- */
.trust-strip {
    background: var(--navy);
    border-top: 3px solid var(--gold);
    padding: 1rem 0;
}

.trust-badges {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: 0.5rem 2rem;
    list-style: none;
    margin: 0;
    padding: 0;
}

.trust-badges li {
    font-family: 'Inter', sans-serif;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.72);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.trust-badges li::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--gold);
    flex-shrink: 0;
}

/* --- Steps --- */
.step-number {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 3.5rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
    opacity: 0.25;
    position: absolute;
    top: -0.5rem;
    left: -0.5rem;
}

.step-card {
    position: relative;
    padding: 2rem 1.75rem 1.75rem 3.5rem;
    background: var(--white);
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    height: 100%;
}

/* --- Hero --- */
.hero {
    position: relative;
    min-height: 92vh;
    display: flex;
    align-items: center;
    background: linear-gradient(135deg, var(--navy) 0%, #0d2050 45%, #0c2a70 100%);
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 80% 60% at 70% 50%, rgba(12, 123, 123, 0.12) 0%, transparent 60%),
        radial-gradient(ellipse 50% 40% at 20% 80%, rgba(201,168,76,0.08) 0%, transparent 50%);
    pointer-events: none;
}

.hero-grid-lines {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
    background-size: 60px 60px;
    pointer-events: none;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 1200px;
    margin: 0 auto;
    padding: 5rem 1.5rem 5rem;
    width: 100%;
}

.hero-eyebrow {
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.24em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.hero-eyebrow::after {
    content: '';
    flex: 1;
    max-width: 60px;
    height: 1px;
    background: var(--gold);
    opacity: 0.5;
}

.hero-headline {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: clamp(2.2rem, 5.5vw, 4rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.12;
    margin-bottom: 1.5rem;
    max-width: 700px;
}

.hero-headline em {
    font-style: italic;
    color: var(--gold);
}

.hero-subtext {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.68);
    line-height: 1.75;
    max-width: 520px;
    margin-bottom: 2.5rem;
}

.hero-cta-group {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    margin-bottom: 3.5rem;
}

.hero-stat-row {
    display: flex;
    flex-wrap: wrap;
    gap: 2.5rem;
    padding-top: 2rem;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stat-label {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.5);
    margin-bottom: 0.2rem;
}

.hero-stat-value {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 1.7rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
}

/* --- Geometric accent shapes --- */
.geo-accent {
    position: absolute;
    border-radius: 50%;
    border: 1px solid;
    pointer-events: none;
}

.geo-1 {
    width: 420px;
    height: 420px;
    right: -80px;
    top: -80px;
    border-color: rgba(201,168,76,0.08);
}

.geo-2 {
    width: 280px;
    height: 280px;
    right: 100px;
    top: 60px;
    border-color: rgba(201,168,76,0.12);
}

.geo-3 {
    width: 160px;
    height: 160px;
    right: 200px;
    top: 160px;
    border-color: rgba(255,255,255,0.06);
    border-radius: var(--radius-sm);
    transform: rotate(15deg);
}

/* --- Section: How it Works --- */
.step-connector {
    display: none;
}

@media (min-width: 992px) {
    .step-connector {
        display: block;
        position: absolute;
        top: 2.5rem;
        right: -30%;
        width: 60%;
        height: 1px;
        background: linear-gradient(90deg, var(--gold) 0%, transparent 100%);
        opacity: 0.25;
        pointer-events: none;
    }
}

/* --- Security/Underwriting Pillars --- */
.pillar-card {
    background: linear-gradient(145deg, var(--navy) 0%, var(--navy-mid) 100%);
    border: 1px solid rgba(201,168,76,0.15);
    border-top: 3px solid var(--gold);
    border-radius: var(--radius-md);
    padding: 2.25rem 1.75rem;
    color: var(--white);
    transition: transform var(--transition), box-shadow var(--transition);
}

.pillar-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 50px rgba(0,0,0,0.3);
}

.pillar-icon {
    font-size: 2rem;
    margin-bottom: 1rem;
    display: block;
}

/* --- Product cards --- */
.product-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition), box-shadow var(--transition);
    height: 100%;
}

.product-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.product-card-header {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 2rem 2rem 1.5rem;
    position: relative;
    overflow: hidden;
}

.product-card-header::after {
    content: '';
    position: absolute;
    right: -20px;
    bottom: -20px;
    width: 120px;
    height: 120px;
    border: 1px solid rgba(201,168,76,0.12);
    border-radius: 50%;
}

.product-card-body { padding: 2rem; }

.product-feature-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.product-feature-list li {
    display: flex;
    align-items: flex-start;
    gap: 0.65rem;
    padding: 0.5rem 0;
    font-size: 0.9rem;
    color: var(--text-body);
    border-bottom: 1px solid var(--light-gray);
}

.product-feature-list li:last-child { border-bottom: none; }

.feature-check {
    color: var(--gold);
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 2px;
}

/* --- Calculator --- */
.calculator-section {
    background: linear-gradient(135deg, var(--navy) 0%, #0c2a70 100%);
    padding: 5rem 0;
    position: relative;
    overflow: hidden;
}

.calculator-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
                      linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
    background-size: 50px 50px;
}

.calculator-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}

.calculator-result {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    border-radius: var(--radius-md);
    padding: 2rem;
    text-align: center;
    border: 1px solid rgba(201,168,76,0.2);
}

.calc-result-amount {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
    margin-bottom: 0.35rem;
}

.calc-disclaimer {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.45);
    line-height: 1.5;
    margin-top: 0.75rem;
}

.form-label-custom {
    font-family: 'Inter', sans-serif;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--navy);
    margin-bottom: 0.5rem;
    display: block;
}

.form-control-custom {
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    color: var(--text-body);
    background: var(--off-white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.75rem 1rem;
    width: 100%;
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
}

.form-control-custom:focus {
    border-color: var(--navy-light);
    box-shadow: 0 0 0 3px rgba(10,25,60,0.1);
    background: var(--white);
}

.form-control-custom::-webkit-inner-spin-button,
.form-control-custom::-webkit-outer-spin-button {
    -webkit-appearance: none;
    margin: 0;
}

/* --- Contact form --- */
.contact-section { padding: 6rem 0; }

.contact-info-block {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.75rem;
}

.contact-icon {
    width: 44px;
    height: 44px;
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.contact-label {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.2rem;
}

.contact-value {
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--navy);
}

.contact-form-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-md);
}

.form-select-custom {
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    color: var(--text-body);
    background: var(--off-white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.75rem 1rem;
    width: 100%;
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
    appearance: none;
    cursor: pointer;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%230a193c' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    padding-right: 2.5rem;
}

.form-select-custom:focus {
    border-color: var(--navy-light);
    box-shadow: 0 0 0 3px rgba(10,25,60,0.1);
}

/* --- Attorney page --- */
.process-timeline {
    position: relative;
    padding-left: 3.5rem;
}

.process-timeline::before {
    content: '';
    position: absolute;
    left: 1.15rem;
    top: 0;
    bottom: 0;
    width: 2px;
    background: linear-gradient(180deg, var(--gold) 0%, rgba(201,168,76,0.1) 100%);
}

.timeline-item {
    position: relative;
    margin-bottom: 2.5rem;
}

.timeline-dot {
    position: absolute;
    left: -2.35rem;
    top: 0.15rem;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--navy);
    border: 2px solid var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--gold);
    flex-shrink: 0;
}

.deal-submit-box {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    border-radius: var(--radius-lg);
    padding: 3rem;
    border: 1px solid rgba(201,168,76,0.15);
    position: relative;
    overflow: hidden;
}

.deal-submit-box::before {
    content: '';
    position: absolute;
    right: -40px;
    top: -40px;
    width: 240px;
    height: 240px;
    border: 1px solid rgba(201,168,76,0.07);
    border-radius: 50%;
}

/* --- About page --- */
.compliance-card {
    background: var(--white);
    border-left: 4px solid var(--gold);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: 1.5rem;
    box-shadow: var(--shadow-sm);
    margin-bottom: 1rem;
}

.team-placeholder {
    background: var(--light-gray);
    border-radius: var(--radius-md);
    aspect-ratio: 3/4;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    border: 2px dashed var(--border);
}

/* --- Footer --- */
.site-footer {
    background: var(--navy);
    border-top: 3px solid var(--gold);
    color: rgba(255,255,255,0.65);
    padding: 4rem 0 2rem;
}

.footer-brand-mark {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: 0.04em;
}

.footer-brand-name {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: 0.04em;
}

.footer-heading {
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1.25rem;
}

.footer-links {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-links li { margin-bottom: 0.6rem; }

.footer-links a {
    color: rgba(255,255,255,0.6);
    font-size: 0.88rem;
    transition: color var(--transition);
    text-decoration: none;
}

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

.footer-bottom {
    margin-top: 3rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255,255,255,0.08);
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 0.75rem;
}

.footer-legal {
    font-size: 0.75rem;
    color: rgba(255,255,255,0.35);
    line-height: 1.6;
}

/* --- Responsive helpers --- */
@media (max-width: 767.98px) {
    .section-pad { padding: 4rem 0; }
    .hero { min-height: 100svh; }
    .hero-content { padding: 4rem 1.25rem 3rem; }
    .hero-cta-group { flex-direction: column; }
    .hero-stat-row { gap: 1.5rem; }
    .calculator-card { padding: 1.75rem; }
    .contact-form-card { padding: 1.75rem; }
    .deal-submit-box { padding: 2rem 1.5rem; }
    .geo-1, .geo-2, .geo-3 { display: none; }
}

/* --- Blazor required --- */
.valid.modified:not([type=checkbox]) { outline: 1px solid #26b050; }
.invalid { outline: 1px solid #e50000; }
.validation-message { color: #e50000; }

.blazor-error-boundary {
    background: url(data:image/svg+xml;base64,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) no-repeat 1rem/1.8rem, #b32121;
    padding: 1rem 1rem 1rem 3.7rem;
    color: white;
}

.blazor-error-boundary::after { content: "An error has occurred." }

.darker-border-checkbox.form-check-input { border-color: #929292; }
}

.form-floating > .form-control-plaintext::placeholder, .form-floating > .form-control::placeholder {
    color: var(--bs-secondary-color);
    text-align: end;
}

.form-floating > .form-control-plaintext:focus::placeholder, .form-floating > .form-control:focus::placeholder {
    text-align: start;
}
/* ============================================================
   Wizard & Apply Page Styles
   ============================================================ */

/* ── Step Indicator ─────────────────────────────────────── */
.step-indicator {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: nowrap;
    overflow-x: auto;
    padding: 0.5rem 0 0.25rem;
    scrollbar-width: none;
}
.step-indicator::-webkit-scrollbar { display: none; }

.step-indicator-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    flex-shrink: 0;
}

.step-indicator-circle {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Inter', sans-serif;
    font-size: 0.82rem;
    font-weight: 700;
    border: 2px solid var(--border);
    background: var(--white);
    color: var(--mid-gray);
    transition: all 0.25s ease;
}

.step-indicator-item.active .step-indicator-circle {
    background: var(--navy);
    border-color: var(--navy);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(10,25,60,0.22);
}

.step-indicator-item.completed .step-indicator-circle {
    background: var(--gold);
    border-color: var(--gold);
    color: var(--navy);
}

.step-indicator-label {
    font-family: 'Inter', sans-serif;
    font-size: 0.68rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    color: var(--mid-gray);
    white-space: nowrap;
}

.step-indicator-item.active    .step-indicator-label { color: var(--navy); }
.step-indicator-item.completed .step-indicator-label { color: var(--gold-dark); }

.step-indicator-connector {
    flex: 1;
    min-width: 20px;
    max-width: 80px;
    height: 2px;
    background: var(--border);
    margin-bottom: 1.4rem;
    transition: background 0.25s ease;
}
.step-indicator-connector.done { background: var(--gold); }

/* ── Wizard Card ─────────────────────────────────────────── */
.wizard-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-md);
    max-width: 860px;
    margin: 0 auto;
}

.wizard-step-title {
    font-size: 1.35rem;
    color: var(--navy);
    margin-bottom: 0.5rem;
}

.wizard-step-sub {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 2rem;
    max-width: 640px;
}

.wizard-field-group { margin-bottom: 1.75rem; }

.wizard-error {
    color: #c0392b;
    background: #fdf2f2;
    border: 1px solid #f0b8b8;
    border-radius: var(--radius-sm);
    padding: 0.65rem 1rem;
    font-size: 0.875rem;
    margin-top: 0.75rem;
    margin-bottom: 0;
    line-height: 1.5;
}

.wizard-nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 2.5rem;
    padding-top: 1.75rem;
    border-top: 1px solid var(--border);
    gap: 1rem;
    flex-wrap: wrap;
}

.wizard-section-divider {
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    padding: 0.5rem 0 0.3rem;
    border-bottom: 1px solid var(--border);
    grid-column: 1 / -1;
    margin-bottom: 0.25rem;
}

.wizard-ref-box {
    background: var(--off-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 1.75rem;
    margin: 1.5rem auto;
    max-width: 400px;
}

.wizard-upload-tip {
    margin-top: 1.25rem;
    padding: 1rem 1.25rem;
    background: rgba(201,168,76,0.06);
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: var(--radius-sm);
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.65;
}

/* ── Applicant Type Selector ─────────────────────────────── */
.type-selector-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(190px, 1fr));
    gap: 1rem;
    margin-top: 0.5rem;
}

.type-selector-card {
    border: 2px solid var(--border);
    border-radius: var(--radius-md);
    padding: 1.25rem 1rem;
    cursor: pointer;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 0.35rem;
    background: var(--white);
    transition: all 0.2s ease;
    user-select: none;
}

.type-selector-card:hover {
    border-color: var(--navy-light);
    box-shadow: var(--shadow-sm);
    transform: translateY(-2px);
}

.type-selector-card.selected {
    border-color: var(--navy);
    background: rgba(10,25,60,0.04);
    box-shadow: 0 0 0 3px rgba(10,25,60,0.07);
}

.type-selector-icon  { font-size: 1.75rem; }
.type-selector-label { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.type-selector-desc  { font-size: 0.75rem; color: var(--text-muted); line-height: 1.5; }

/* ── Product Radio Cards ─────────────────────────────────── */
.product-radio-group {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    margin-top: 0.5rem;
}

.product-radio-card {
    display: flex;
    align-items: flex-start;
    gap: 0.85rem;
    padding: 1rem 1.25rem;
    border: 2px solid var(--border);
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all 0.2s ease;
    background: var(--white);
}

.product-radio-card:hover { border-color: var(--navy-light); }

.product-radio-card.selected {
    border-color: var(--gold);
    background: rgba(201,168,76,0.04);
}

.product-radio-card input[type="radio"] {
    margin-top: 3px;
    accent-color: var(--navy);
    flex-shrink: 0;
    width: 16px;
    height: 16px;
    cursor: pointer;
}

/* ── Document Upload List ────────────────────────────────── */
.doc-upload-list {
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
    margin-bottom: 0.5rem;
}

.doc-upload-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 1.25rem;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-md);
    background: var(--white);
    transition: border-color 0.2s ease, background 0.2s ease;
}

.doc-upload-item.uploaded {
    border-color: rgba(38,176,80,0.45);
    background: rgba(38,176,80,0.025);
}

.doc-upload-meta  { flex: 1; min-width: 0; }

.doc-upload-label {
    font-weight: 600;
    font-size: 0.875rem;
    color: var(--navy);
    display: flex;
    align-items: center;
    gap: 0.45rem;
    flex-wrap: wrap;
    margin-bottom: 0.2rem;
}

.doc-upload-desc {
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.doc-uploaded-info {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.35rem;
    margin-top: 0.35rem;
}

.doc-required-badge {
    font-family: 'Inter', sans-serif;
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #c0392b;
    background: rgba(192,57,43,0.08);
    padding: 0.15rem 0.45rem;
    border-radius: 3px;
    border: 1px solid rgba(192,57,43,0.18);
}

.doc-optional-badge {
    font-family: 'Inter', sans-serif;
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-muted);
    background: var(--light-gray);
    padding: 0.15rem 0.45rem;
    border-radius: 3px;
}

.doc-upload-action { flex-shrink: 0; }

.doc-file-input {
    position: absolute;
    width: 1px;
    height: 1px;
    opacity: 0;
    overflow: hidden;
    pointer-events: none;
}

.doc-upload-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-family: 'Inter', sans-serif;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.04em;
    color: var(--navy);
    background: var(--light-gray);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.5rem 1rem;
    cursor: pointer;
    transition: all 0.2s ease;
    white-space: nowrap;
}

.doc-upload-btn:hover {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.doc-check-icon {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: #26b050;
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    font-weight: 700;
}

.doc-remove-btn {
    font-size: 0.72rem;
    color: #c0392b;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0;
    font-family: 'Inter', sans-serif;
    font-weight: 600;
}
.doc-remove-btn:hover { text-decoration: underline; }

/* ── Review Summary ──────────────────────────────────────── */
.review-summary {
    background: var(--off-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 1.75rem;
    margin-bottom: 1.75rem;
}

.review-section-title {
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1rem;
}

.review-grid { display: flex; flex-direction: column; gap: 0.65rem; }

.review-row {
    display: flex;
    gap: 1rem;
    font-size: 0.875rem;
    align-items: baseline;
    padding-bottom: 0.65rem;
    border-bottom: 1px solid var(--light-gray);
}
.review-row:last-child { border-bottom: none; padding-bottom: 0; }

.review-key  { flex-shrink: 0; width: 168px; color: var(--text-muted); font-weight: 500; }
.review-val  { color: var(--text-body); font-weight: 500; }

/* ── Declarations ────────────────────────────────────────── */
.declarations-box {
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 1.75rem;
    background: var(--white);
}

.declaration-row {
    display: flex;
    align-items: flex-start;
    gap: 0.85rem;
    padding: 0.85rem 0;
    border-bottom: 1px solid var(--light-gray);
    cursor: pointer;
    font-size: 0.875rem;
    color: var(--text-body);
    line-height: 1.65;
}
.declaration-row:last-child { border-bottom: none; padding-bottom: 0; }

.declaration-row input[type="checkbox"] {
    margin-top: 3px;
    flex-shrink: 0;
    width: 16px;
    height: 16px;
    accent-color: var(--navy);
    cursor: pointer;
}

/* ── Spinners ────────────────────────────────────────────── */
.spinner {
    width: 40px;
    height: 40px;
    border: 3px solid var(--light-gray);
    border-top-color: var(--navy);
    border-radius: 50%;
    animation: spin 0.75s linear infinite;
    margin: 0 auto;
}

.spinner-sm {
    display: inline-block;
    width: 13px;
    height: 13px;
    border: 2px solid rgba(255,255,255,0.4);
    border-top-color: var(--white);
    border-radius: 50%;
    animation: spin 0.75s linear infinite;
    vertical-align: middle;
}

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

/* ── Currency prefix helper ──────────────────────────────── */
.currency-prefix {
    position: absolute;
    left: 0.85rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-muted);
    font-weight: 600;
    font-size: 0.9rem;
    pointer-events: none;
    z-index: 1;
}

/* ── Responsive overrides ────────────────────────────────── */
@media (max-width: 767.98px) {
    .wizard-card                          { padding: 1.5rem 1.25rem; }
    .type-selector-grid                   { grid-template-columns: 1fr; }
    .step-indicator-label                 { display: none; }
    .step-indicator-connector             { min-width: 14px; }
    .review-key                           { width: 110px; font-size: 0.8rem; }
    .review-val                           { font-size: 0.8rem; }
    .doc-upload-item                      { flex-direction: column; align-items: flex-start; gap: 0.75rem; }
    .wizard-nav                           { flex-direction: column-reverse; align-items: stretch; }
    .wizard-nav .btn-cta-primary,
    .wizard-nav .btn-cta-dark             { text-align: center; width: 100%; }
}
/* ═══════════════════════════════════════════════════════
   COSTS & TRANSPARENCY PAGE
════════════════════════════════════════════════════════ */

/* ── Cost Cards ── */
.cost-card {
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.07);
    border-radius: 14px;
    padding: 2rem;
    height: 100%;
    box-shadow: 0 2px 16px rgba(0,0,0,0.05);
    transition: transform .25s, box-shadow .25s;
}
.cost-card:hover { transform: translateY(-4px); box-shadow: 0 8px 32px rgba(0,0,0,0.1); }
.cost-card-icon {
    width: 52px; height: 52px; border-radius: 50%;
    background: var(--navy); color: var(--gold);
    font-size: 1.3rem; font-weight: 800;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 1.1rem;
}
.cost-card-title { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: .75rem; }
.cost-card-body  { font-size: .88rem; color: var(--text-muted); line-height: 1.7; }
.cost-card-formula {
    background: var(--off-white);
    border-left: 3px solid var(--gold);
    border-radius: 6px;
    padding: .65rem 1rem;
    font-size: .82rem; line-height: 1.6;
    color: var(--navy);
    margin: 1rem 0;
}
.cost-card-note { font-size: .78rem; color: var(--text-muted); line-height: 1.55; margin: 0; }

/* ── No-charge box ── */
.cost-no-charge-box {
    background: #f0fff4;
    border: 1px solid #b7ebc8;
    border-radius: 14px;
    padding: 2rem;
    margin-top: 2.5rem;
}
.cost-no-charge-title { font-weight: 700; color: #1a6b35; font-size: 1rem; margin-bottom: .5rem; }
.no-charge-item {
    background: var(--white);
    border: 1px solid #d1f0dc;
    border-radius: 8px;
    padding: .55rem 1rem;
    font-size: .82rem; color: #1a6b35; font-weight: 600;
}

/* ── Calculator Shell ── */
.calc-shell {
    background: var(--white);
    border-radius: 18px;
    box-shadow: 0 4px 40px rgba(0,0,0,0.09);
    overflow: hidden;
    border: 1px solid rgba(0,0,0,0.06);
}
.calc-inputs-col  { padding: 2.25rem; background: var(--navy); }
.calc-results-col { padding: 2.25rem; }
.calc-section-heading {
    font-size: .75rem; text-transform: uppercase; letter-spacing: .1em;
    font-weight: 700; margin-bottom: 1.5rem;
}
.calc-inputs-col .calc-section-heading { color: var(--gold); }
.calc-results-col .calc-section-heading { color: var(--navy); }

.calc-field { margin-bottom: 1.6rem; }
.calc-field-header { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: .4rem; }
.calc-label { font-size: .82rem; font-weight: 600; color: rgba(255,255,255,0.85); }
.calc-value-badge {
    font-size: .8rem; font-weight: 700;
    background: rgba(212,175,55,0.2); color: var(--gold);
    padding: .18rem .6rem; border-radius: 20px;
    white-space: nowrap;
}

.calc-slider {
    -webkit-appearance: none;
    width: 100%; height: 4px;
    background: rgba(255,255,255,0.2);
    border-radius: 2px; outline: none; cursor: pointer;
}
.calc-results-col .calc-slider { background: rgba(10,25,60,0.12); }
.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px; height: 18px; border-radius: 50%;
    background: var(--gold); cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.3);
}
.calc-slider::-moz-range-thumb {
    width: 18px; height: 18px; border-radius: 50%;
    background: var(--gold); cursor: pointer; border: none;
}
.calc-slider-limits { display: flex; justify-content: space-between; font-size: .71rem; color: rgba(255,255,255,0.45); margin-top: .3rem; }
.calc-results-col .calc-slider-limits { color: var(--text-muted); }

/* Toggle */
.calc-toggle { display: flex; align-items: center; gap: .75rem; cursor: pointer; }
.calc-toggle input { display: none; }
.calc-toggle-track {
    width: 44px; height: 24px; background: rgba(255,255,255,0.2);
    border-radius: 12px; position: relative; transition: background .2s;
    flex-shrink: 0;
}
.calc-toggle input:checked ~ .calc-toggle-track { background: var(--gold); }
.calc-toggle-thumb {
    position: absolute; top: 3px; left: 3px;
    width: 18px; height: 18px; border-radius: 50%;
    background: var(--white); transition: left .2s;
}
.calc-toggle input:checked ~ .calc-toggle-track .calc-toggle-thumb { left: 23px; }

/* Results grid */
.calc-result-grid { margin-bottom: 1.5rem; }
.calc-result-row {
    display: flex; justify-content: space-between; align-items: baseline;
    padding: .55rem 0; border-bottom: 1px solid rgba(0,0,0,0.05);
    font-size: .87rem;
}
.calc-result-label { color: var(--text-muted); }
.calc-result-val { font-weight: 700; color: var(--navy); }
.calc-result-row--total {
    border-top: 2px solid var(--navy); border-bottom: 2px solid var(--navy);
    padding: .75rem 0; margin: .35rem 0;
}
.calc-result-row--total .calc-result-label { font-weight: 700; color: var(--navy); font-size: .92rem; }

/* Early settlement box */
.calc-early-box {
    background: var(--off-white);
    border: 1px solid rgba(212,175,55,0.35);
    border-radius: 12px;
    padding: 1.25rem 1.5rem;
    margin-top: 1rem;
}
.calc-early-result { display: flex; gap: 2rem; margin-top: .85rem; flex-wrap: wrap; }
.calc-disclaimer {
    font-size: .72rem; color: var(--text-muted); line-height: 1.55;
    margin: 1.25rem 0 0; padding-top: 1rem; border-top: 1px solid rgba(0,0,0,0.06);
}

/* ── Early repayment section ── */
.early-repay-card {
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.07);
    border-radius: 12px;
    padding: 1.5rem;
    height: 100%;
    box-shadow: 0 2px 12px rgba(0,0,0,0.04);
}
.early-repay-card--highlight { border-color: var(--gold); background: #fffbef; }
.early-repay-step { font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; color: var(--gold); margin-bottom: .45rem; }
.early-repay-card h4 { font-size: .95rem; color: var(--navy); margin-bottom: .5rem; }
.early-repay-card p  { font-size: .83rem; color: var(--text-muted); line-height: 1.65; margin: 0; }

/* ── Process steps (dark bg) ── */
.process-step-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 14px;
    padding: 1.75rem;
    height: 100%;
    transition: background .25s;
}
.process-step-card:hover { background: rgba(255,255,255,0.1); }
.process-step-num { font-size: 2.5rem; font-weight: 900; color: var(--gold); opacity: .35; line-height: 1; margin-bottom: .75rem; }
.process-step-title { font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: .5rem; }
.process-step-body  { font-size: .85rem; color: rgba(255,255,255,0.6); line-height: 1.7; margin: 0; }

/* ── Responsive ── */
@media (max-width: 991px) {
    .calc-inputs-col, .calc-results-col { padding: 1.5rem; }
}

/* ═══════════════════════════════════════════════════════
   GLOBAL UX IMPROVEMENTS
════════════════════════════════════════════════════════ */

html { scroll-behavior: smooth; }

/* ── Floating WhatsApp button ── */
.fab-whatsapp {
    position: fixed;
    bottom: 5rem;
    right: 1.5rem;
    z-index: 1050;
    width: 54px;
    height: 54px;
    border-radius: 50%;
    background: #25D366;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 18px rgba(37,211,102,0.45);
    text-decoration: none;
    transition: transform .2s, box-shadow .2s;
}
.fab-whatsapp:hover {
    transform: scale(1.1);
    box-shadow: 0 6px 24px rgba(37,211,102,0.6);
    color: #fff;
}

/* ── Back to top button ── */
.fab-top {
    position: fixed;
    bottom: 1.5rem;
    right: 1.5rem;
    z-index: 1050;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--gold);
    border: 2px solid var(--gold);
    font-size: 1.1rem;
    font-weight: 700;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transform: translateY(10px);
    transition: opacity .25s, transform .25s;
    box-shadow: 0 3px 14px rgba(0,0,0,0.2);
}
.fab-top--visible {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}
.fab-top:hover { background: var(--gold); color: var(--navy); }

/* ── Focus rings (accessibility) ── */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
    outline: 3px solid var(--gold);
    outline-offset: 2px;
}

/* ── Page transition fade ── */
.main-content {
    animation: pageFadeIn .25s ease;
}
@keyframes pageFadeIn {
    from { opacity: 0; transform: translateY(6px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* ── Skip-to-content link (a11y) ── */
.skip-to-content {
    position: absolute;
    top: -100px;
    left: 1rem;
    background: var(--gold);
    color: var(--navy);
    padding: .5rem 1rem;
    font-weight: 700;
    border-radius: 0 0 8px 8px;
    z-index: 9999;
    transition: top .2s;
}
.skip-to-content:focus { top: 0; }

/* ═══════════════════════════════════════════════════════
   FICA / RMCP COMPLIANCE PANELS
════════════════════════════════════════════════════════ */
.compliance-panel {
    background: #f7f9fc;
    border: 1px solid rgba(10,25,60,0.12);
    border-radius: 12px;
    padding: 1.5rem;
    margin-top: 1.75rem;
    transition: background .25s, border-color .25s;
}
.compliance-panel--passed {
    background: #f0fff4;
    border-color: #b7ebc8;
}
.compliance-panel-header {
    display: flex; justify-content: space-between; align-items: flex-start;
    flex-wrap: wrap; gap: 1rem; margin-bottom: 1rem;
}
.compliance-badge {
    display: inline-block;
    background: var(--navy); color: var(--gold);
    font-size: .68rem; font-weight: 800; letter-spacing: .12em;
    padding: .2rem .55rem; border-radius: 4px; margin-bottom: .4rem;
}
.compliance-title { font-size: 1rem; font-weight: 700; color: var(--navy); margin: 0 0 .4rem; }
.compliance-sub   { font-size: .82rem; color: var(--text-muted); line-height: 1.65; margin: 0; max-width: 540px; }

.compliance-status { flex-shrink: 0; }
.status-pill {
    display: inline-flex; align-items: center; gap: .35rem;
    padding: .35rem .8rem; border-radius: 999px;
    font-size: .78rem; font-weight: 700; white-space: nowrap;
}
.status-pill--ok      { background:#d4f5dd; color:#1a6b35; }
.status-pill--fail    { background:#ffe0e0; color:#a30000; }
.status-pill--pending { background:#fff4d6; color:#a05a00; }
.status-pill--idle    { background:#e9ecef; color:var(--text-muted); }

/* Liveness UI */
.liveness-action-area {
    display:flex; flex-direction:column; gap:.85rem; align-items:flex-start;
}
.liveness-mock-frame {
    width: 100%; max-width: 320px;
    aspect-ratio: 4 / 3;
    background: linear-gradient(135deg, #0a193c 0%, #1a2b5e 100%);
    border-radius: 12px;
    display: flex; flex-direction:column; align-items:center; justify-content:center;
    color: var(--gold);
    border: 2px dashed rgba(212,175,55,0.4);
    position: relative;
    overflow: hidden;
}
.liveness-pulse {
    width: 80px; height: 80px; border-radius: 50%;
    background: rgba(212,175,55,0.4);
    animation: liveness-pulse 1.4s ease-in-out infinite;
}
@keyframes liveness-pulse {
    0%,100% { transform: scale(0.85); opacity: .9; box-shadow: 0 0 0 0 rgba(212,175,55,0.5); }
    50%     { transform: scale(1.15);  opacity: .4; box-shadow: 0 0 0 30px rgba(212,175,55,0);   }
}

/* AVS result message */
.avs-result {
    margin-top: 1rem;
    padding: .75rem 1rem;
    border-radius: 8px;
    font-size: .85rem; line-height: 1.6;
    border-left: 4px solid;
}
.avs-result--ok   { background:#f0fff4; color:#1a6b35; border-color:#26b050; }
.avs-result--fail { background:#fff5f5; color:#a30000; border-color:#e50000; }

/* EDD trigger banner */
.edd-trigger-banner {
    background: #fff4d6;
    border: 1px solid #ffd87a;
    border-left: 4px solid #d4a300;
    border-radius: 8px;
    padding: 1rem 1.25rem;
    margin-top: 1rem;
}

/* PEP status box variants */
.pep-status-box {
    background: var(--off-white);
    border: 1px solid var(--border);
    border-left: 4px solid var(--text-muted);
    border-radius: 8px;
    padding: .85rem 1.1rem;
    margin-top: .75rem;
}
.pep-status-box--clear        { border-left-color: #26b050; background: #f0fff4; }
.pep-status-box--pepdomestic,
.pep-status-box--pepforeign   { border-left-color: #d4a300; background: #fff8e6; }
.pep-status-box--sanctionshit { border-left-color: #e50000; background: #fff5f5; }

/* Disable visual cue for readonly inputs (AVS lock) */
input[readonly], select[disabled] {
    background: #f0f1f5 !important;
    cursor: not-allowed;
}

/* ═══════════════════════════════════════════════════════
   INPUT VALIDATION FEEDBACK + LIVENESS CHECKLIST
════════════════════════════════════════════════════════ */
.input-feedback {
    font-size: .76rem;
    line-height: 1.5;
    margin-top: .35rem;
    padding: .3rem .55rem;
    border-radius: 5px;
    display: inline-block;
}
.input-feedback--ok  { background: #e6faec; color: #1a6b35; }
.input-feedback--err { background: #ffe8e8; color: #a30000; }

.form-control-custom.input-ok  { border-color: #26b050 !important; box-shadow: 0 0 0 2px rgba(38,176,80,0.12) !important; }
.form-control-custom.input-err { border-color: #e50000 !important; box-shadow: 0 0 0 2px rgba(229,0,0,0.10)  !important; }

/* ── Liveness multi-challenge checklist ── */
.liveness-checklist {
    width: 100%;
    max-width: 320px;
    background: var(--white);
    border: 1px solid rgba(10,25,60,0.1);
    border-radius: 10px;
    padding: .75rem 1rem;
    display: flex;
    flex-direction: column;
    gap: .35rem;
}
.liveness-check-item {
    display: flex; align-items: center; gap: .55rem;
    font-size: .82rem; color: var(--text-muted);
    padding: .25rem 0;
    transition: color .2s, font-weight .2s;
}
.liveness-check-icon {
    width: 18px; height: 18px;
    display: inline-flex; align-items: center; justify-content: center;
    font-size: .85rem; font-weight: 700;
    border-radius: 50%;
    background: #e9ecef; color: var(--text-muted);
    flex-shrink: 0;
}
.liveness-check-item.done { color: #1a6b35; font-weight: 600; }
.liveness-check-item.done .liveness-check-icon { background: #26b050; color: #fff; }
.liveness-check-item.active { color: var(--navy); font-weight: 700; }
.liveness-check-item.active .liveness-check-icon {
    background: var(--gold); color: var(--navy);
    animation: liveness-tick 1s ease-in-out infinite;
}
@keyframes liveness-tick {
    0%,100% { transform: scale(1);    }
    50%     { transform: scale(1.18); }
}