:root {
  --navy-dark:   #0d2645;
  --navy:        #11578a;
  --navy-mid:    #1a6fa8;
  --navy-light:  #2a8fd4;
  --accent:      #e8a020;
  --accent-soft: #fff4e0;
  --bg:          #eef2f7;
  --bg-card:     #ffffff;
  --text:        #1a2a3a;
  --text-muted:  #6b7f93;
  --border:      #d0dae6;
  --success:     #14a85a;
  --success-bg:  #e8faf1;
  --danger:      #dc2626;
  --danger-bg:   #fef2f2;
  --warn:        #d97706;
  --warn-bg:     #fffbeb;
  --radius:      12px;
  --shadow:      0 2px 16px rgba(13,38,69,0.08);
  --shadow-lg:   0 8px 40px rgba(13,38,69,0.14);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 14px;
  line-height: 1.6;
  min-height: 100vh;
}
body.sinhala { font-family: 'Noto Sans Sinhala', 'DM Sans', sans-serif; }
.en { display: inline; }
.si { display: none; }
body.sinhala .en { display: none; }
body.sinhala .si { display: inline; }

/* ── INVALID LINK SCREEN ── */
#invalidScreen {
  display: none;
  min-height: 100vh;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 40px 20px;
}
#invalidScreen.show { display: flex; }
.invalid-card {
  background: #fff;
  border-radius: 16px;
  padding: 48px 36px;
  max-width: 440px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.invalid-icon { font-size: 3rem; color: var(--danger); margin-bottom: 18px; }

/* ── TOAST ── */
#toast-wrap { position: fixed; top: 20px; right: 20px; z-index: 9999; display: flex; flex-direction: column; gap: 8px; }
.toast-msg {
  padding: 12px 18px; border-radius: 10px; font-size: 13px; font-weight: 500;
  box-shadow: 0 4px 16px rgba(0,0,0,.15); display: flex; align-items: center; gap: 9px;
  min-width: 280px; max-width: 360px; animation: slideIn .3s ease;
}
.toast-success { background: #dcfce7; color: #166534; border-left: 4px solid #16a34a; }
.toast-error   { background: #fee2e2; color: #991b1b; border-left: 4px solid #dc2626; }
.toast-warning { background: #fef3c7; color: #92400e; border-left: 4px solid #d97706; }
.toast-info    { background: #dbeafe; color: #1e40af; border-left: 4px solid #3b82f6; }
@keyframes slideIn { from { opacity: 0; transform: translateX(40px); } to { opacity: 1; transform: translateX(0); } }

/* ── LOADER ── */
#pageLoader {
  position: fixed; inset: 0; background: var(--navy-dark);
  z-index: 9999; display: flex; align-items: center; justify-content: center;
  flex-direction: column; gap: 16px; transition: opacity .4s;
}
#pageLoader.hide { opacity: 0; pointer-events: none; }
.loader-ring {
  width: 56px; height: 56px; border: 4px solid rgba(255,255,255,.2);
  border-top-color: #fff; border-radius: 50%;
  animation: spin .7s linear infinite;
}
.loader-txt { color: rgba(255,255,255,.8); font-size: 14px; font-weight: 500; }
@keyframes spin { to { transform: rotate(360deg); } }

#submitLoader {
  position: fixed; inset: 0; background: rgba(13,38,69,0.55);
  z-index: 9998; display: none; align-items: center; justify-content: center;
  flex-direction: column; gap: 16px;
}
#submitLoader.show { display: flex; }
.loader-spinner {
  width: 52px; height: 52px; border: 4px solid rgba(255,255,255,.25);
  border-top-color: #fff; border-radius: 50%;
  animation: spin .7s linear infinite;
}
.loader-text { color: #fff; font-size: 14px; font-weight: 600; }

/* ── HEADER ── */
.site-header {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #1d3a5c 100%);
  position: relative; overflow: hidden;
}
.header-bg-img {
  position: absolute; inset: 0;
  background: url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?w=1400&q=60') center/cover no-repeat;
  opacity: 0.10;
}
.header-inner {
  position: relative; z-index: 2;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: nowrap; gap: 12px; padding: 18px 32px 22px;
}
.brand-block { display: flex; align-items: center; gap: 12px; min-width: 0; }
.brand-logo img { width: 58px; height: 58px; border-radius: 10px; object-fit: contain; background: rgba(255,255,255,.15); padding: 5px; }
.brand-text h2 { font-family: 'Libre Baskerville', serif; color: #fff; font-size: 1.9rem; font-weight: 700; line-height: 1.15; margin: 0; }
.brand-subtitle { color: #a8c8e8; font-size: 0.77rem; margin: 3px 0 0; display: block; }
.header-right { display: flex; flex-direction: column; align-items: flex-end; gap: 6px; flex-shrink: 0; }
.lang-btns { display: flex; gap: 6px; }
.lang-btn {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.25);
  color: rgba(255,255,255,.75); font-size: 0.74rem; font-weight: 600;
  padding: 5px 13px; border-radius: 20px; cursor: pointer; transition: all .2s;
}
.lang-btn.active, .lang-btn:hover { background: rgba(255,255,255,.25); color: #fff; border-color: rgba(255,255,255,.5); }
.contact-info { text-align: right; font-size: 0.72rem; color: rgba(255,255,255,.7); line-height: 1.5; }
.contact-info strong { color: #fff; display: block; font-size: 0.74rem; }
.contact-info span { color: #c8d4e8; font-size: 0.8rem; display: block; }

/* ── TOKEN BANNER ── */
.token-banner {
  background: linear-gradient(135deg, #eef6ff, #deedfb);
  border: 1.5px solid #b3d4f5;
  border-radius: 10px;
  padding: 13px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
  font-size: 0.82rem;
  color: var(--navy-dark);
}
.token-banner i { color: var(--navy); font-size: 1.1rem; flex-shrink: 0; }
.token-banner strong { color: var(--navy); }

/* ── ALREADY SUBMITTED BANNER ── */
.submitted-banner {
  background: linear-gradient(135deg, #e8faf1, #dcfce7);
  border: 1.5px solid #86efac;
  border-radius: 10px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}
.submitted-banner i { color: var(--success); font-size: 1.5rem; flex-shrink: 0; }

/* ── PREFILL HIGHLIGHT ── */
.prefill-badge {
  display: inline-flex; align-items: center; gap: 5px;
  background: #eef6ff; color: var(--navy); border: 1px solid #b3d4f5;
  border-radius: 5px; font-size: 0.65rem; font-weight: 700;
  padding: 2px 8px; margin-left: 7px; vertical-align: middle;
  text-transform: uppercase; letter-spacing: .3px;
}
.prefill-badge i { font-size: 0.6rem; }

/* Input pre-filled glow */
.form-control.prefilled {
  border-color: var(--navy-light);
  background: linear-gradient(135deg, #f0f8ff, #eaf4fd);
  color: var(--navy-dark);
  font-weight: 600;
}

/* Prefill info strip above Step 2 fields */
.prefill-strip {
  display: none;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, #eef6ff, #deedfb);
  border: 1.5px solid #b3d4f5;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 0.79rem;
  color: var(--navy-dark);
  margin-bottom: 18px;
}
.prefill-strip.show { display: flex; }
.prefill-strip i { color: var(--navy); font-size: 1rem; flex-shrink: 0; }
.prefill-strip .ps-item {
  display: flex; align-items: center; gap: 6px;
  background: #fff; border: 1px solid #c8ddef;
  border-radius: 6px; padding: 4px 11px; font-size: 0.78rem;
}
.prefill-strip .ps-item strong { color: var(--navy); font-size: 0.73rem; }
.prefill-strip .ps-item span  { color: var(--text); font-weight: 600; }

/* ── MAIN ── */
.page-main { padding: 32px 16px 60px; }
.form-title {
  font-family: 'Libre Baskerville', serif;
  text-align: center; color: var(--navy-dark);
  font-size: 1.55rem; font-weight: 700; margin-bottom: 24px;
}

/* ── STEP INDICATOR ── */
.step-wrapper { margin-bottom: 28px; }
.steps-track { display: flex; align-items: flex-start; justify-content: center; width: 100%; }
.step-item { display: flex; flex-direction: column; align-items: center; flex: 1; }
.step-circle {
  width: 36px; height: 36px; border-radius: 50%;
  background: #dde5ef; color: #8fa3b8; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.82rem; font-weight: 700; border: 3px solid #c4d0dd;
  transition: all .35s; z-index: 1; position: relative;
}
.step-circle.active { background: var(--navy); color: #fff; border-color: var(--navy-light); box-shadow: 0 0 0 5px rgba(17,87,138,.15); }
.step-circle.done   { background: var(--success); color: #fff; border-color: var(--success); }
.step-label { font-size: 0.62rem; font-weight: 600; color: #99aabb; margin-top: 6px; text-align: center; white-space: nowrap; transition: color .3s; }
.step-label.active { color: var(--navy); }
.step-connector { flex: 1; height: 3px; background: #dde5ef; margin-top: 16px; transition: background .35s; min-width: 14px; }
.step-connector.done { background: var(--success); }

/* ── STEP SECTIONS ── */
.step-section { display: none; animation: fadeSlide .3s ease; }
.step-section.active { display: block; }
@keyframes fadeSlide { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

/* ── FORM CARD ── */
.form-card {
  background: var(--bg-card); border: 1px solid var(--border);
  border-radius: 16px; padding: 26px 26px 20px;
  box-shadow: var(--shadow); margin-bottom: 16px;
}
.form-card h4 {
  font-family: 'Libre Baskerville', serif; color: var(--navy-dark);
  font-size: 1.1rem; font-weight: 700; margin-bottom: 20px;
  padding-bottom: 12px; border-bottom: 2px solid #eef2f7;
  display: flex; align-items: center; gap: 10px;
}
.form-card h4 i { color: var(--navy); font-size: 0.95rem; }

/* ── INNER TABS ── */
.inner-tabs { display: flex; gap: 0; border-bottom: 2px solid #e5eaf0; margin-bottom: 22px; }
.inner-tab-btn {
  flex: 1; padding: 11px 14px; background: transparent;
  border: none; border-bottom: 3px solid transparent; margin-bottom: -2px;
  font-size: 0.85rem; font-weight: 600; color: var(--text-muted); cursor: pointer;
  display: flex; align-items: center; justify-content: center; gap: 7px;
  transition: all .2s; border-radius: 8px 8px 0 0;
}
.inner-tab-btn:hover { color: var(--navy); background: #f0f6fc; }
.inner-tab-btn.active { color: var(--navy); border-bottom-color: var(--navy); background: #eef4fb; }
.inner-tab-btn .tab-badge {
  background: #dde5ef; color: var(--text-muted); border-radius: 12px;
  padding: 1px 7px; font-size: 0.68rem; font-weight: 700; transition: all .2s;
}
.inner-tab-btn.active .tab-badge { background: var(--navy); color: #fff; }
.inner-tab-pane { display: none; }
.inner-tab-pane.active { display: block; animation: fadeSlide .25s ease; }

/* ── RADIO LABELS ── */
.radio-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-top: 16px; }
.radio-label {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.88rem; font-weight: 500; cursor: pointer;
  background: #f4f8fd; border: 1.5px solid var(--border);
  border-radius: 10px; padding: 10px 20px; transition: all .2s;
}
.radio-label:hover:not(.disabled-option) { border-color: var(--navy); background: #eef4fd; }
.radio-label:has(input:checked) { border-color: var(--navy); background: #eef4fd; color: var(--navy); font-weight: 700; }
.radio-label.disabled-option { opacity: 0.45; cursor: not-allowed; pointer-events: none; }
.verify-question { font-size: 0.98rem; font-weight: 600; color: var(--navy-dark); margin-top: 8px; }

/* ── FORM CONTROLS ── */
.form-label { font-size: 0.79rem; font-weight: 600; color: var(--navy-dark); margin-bottom: 5px; display: block; }
.req { color: var(--danger); margin-left: 2px; }
.form-control, .form-select {
  border: 1.5px solid var(--border); border-radius: 8px;
  font-size: 0.84rem; color: var(--text); background: #fafcff;
  padding: 9px 12px; transition: border-color .2s, box-shadow .2s; font-family: inherit;
}
.form-control:focus, .form-select:focus {
  border-color: var(--navy-light); box-shadow: 0 0 0 3px rgba(42,143,212,.12);
  outline: none; background: #fff;
}
textarea.form-control { min-height: 88px; resize: vertical; }
.form-control.is-invalid { border-color: var(--danger); }
.invalid-feedback { font-size: 0.75rem; color: var(--danger); margin-top: 3px; display: none; }
.form-control.is-invalid ~ .invalid-feedback { display: block; }

/* ── LOAN TYPE CARDS ── */
.loan-type-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(140px,1fr)); gap: 10px; margin-top: 8px; }
.loan-type-card {
  border: 2px solid var(--border); border-radius: 10px; background: #f8fafd;
  padding: 14px 10px; text-align: center; cursor: pointer; transition: all .22s;
  font-size: 0.82rem; font-weight: 600; color: var(--text-muted);
}
.loan-type-card i { display: block; font-size: 1.6rem; margin-bottom: 7px; color: var(--navy-light); transition: color .2s; }
.loan-type-card:hover { border-color: var(--navy-light); background: #eef4fd; color: var(--navy); }
.loan-type-card.selected { border-color: var(--navy); background: #deedfb; color: var(--navy-dark); font-weight: 700; }
.loan-type-card.selected i { color: var(--navy-dark); }
.loan-type-card .badge-rate { font-size: 0.68rem; color: var(--success); font-weight: 500; margin-top: 3px; display: block; }
.loan-type-skeleton { border: 2px dashed #dde5ef; border-radius: 10px; height: 90px; background: linear-gradient(90deg,#f3f4f6 25%,#e5e7eb 50%,#f3f4f6 75%); background-size: 200% 100%; animation: shimmer 1.4s infinite; }
@keyframes shimmer { to { background-position: -200% 0; } }
.loan-info-row {
  display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px;
  background: #f0f9ff; border: 1px solid #bae6fd; border-radius: 8px; padding: 12px 14px;
  font-size: 0.78rem; color: var(--navy-dark);
}
.loan-info-row span { display: flex; align-items: center; gap: 5px; }
.loan-info-row strong { color: var(--navy); }
#loanInfoBox { display: none; }

/* ── FILE UPLOAD ── */
.file-upload-label {
  display: flex; align-items: center; gap: 8px;
  background: #f4f8fd; border: 1.5px dashed var(--border);
  border-radius: 8px; padding: 10px 13px;
  cursor: pointer; font-size: 0.81rem; color: var(--navy);
  font-weight: 600; transition: all .2s; width: 100%;
}
.file-upload-label:hover { border-color: var(--navy-light); background: #eef4fd; }
.file-upload-label.chosen { border-color: var(--success); background: var(--success-bg); color: var(--success); }
.file-input { display: none; }
.file-name-text { flex: 1; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; font-weight: 400; font-size: 0.78rem; }

/* ── IMAGE PREVIEW ── */
.img-preview-wrap {
  display: none;
  margin-top: 8px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  background: #f8faff;
  position: relative;
}
.img-preview-wrap.show { display: block; }
.img-preview-wrap img {
  width: 100%;
  max-height: 160px;
  object-fit: cover;
  display: block;
  border-radius: 6px;
}
.img-preview-wrap .preview-label {
  position: absolute; top: 6px; left: 6px;
  background: rgba(13,38,69,0.75); color: #fff;
  font-size: 0.65rem; font-weight: 700;
  padding: 2px 8px; border-radius: 4px;
  text-transform: uppercase; letter-spacing: .4px;
}
.img-preview-wrap .preview-clear {
  position: absolute; top: 5px; right: 6px;
  background: rgba(220,38,38,0.85); color: #fff; border: none;
  border-radius: 50%; width: 22px; height: 22px;
  font-size: 0.7rem; cursor: pointer; display: flex;
  align-items: center; justify-content: center; transition: background .2s;
}
.img-preview-wrap .preview-clear:hover { background: var(--danger); }

/* PDF preview */
.pdf-preview-strip {
  display: none;
  align-items: center;
  gap: 8px;
  margin-top: 8px;
  background: #fff7ed;
  border: 1.5px solid #fed7aa;
  border-radius: 8px;
  padding: 9px 13px;
  font-size: 0.78rem;
  color: #9a3412;
  font-weight: 600;
}
.pdf-preview-strip.show { display: flex; }
.pdf-preview-strip i { font-size: 1.2rem; color: #ea580c; }

/* ── BUTTONS ── */
.btn-navy {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  color: #fff; border: none; border-radius: 8px;
  padding: 10px 22px; font-size: 0.84rem; font-weight: 600;
  cursor: pointer; transition: all .2s;
  display: inline-flex; align-items: center; gap: 6px; font-family: inherit;
}
.btn-navy:hover { background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%); box-shadow: 0 4px 14px rgba(17,87,138,.3); transform: translateY(-1px); }
.btn-navy:disabled { opacity: 0.65; cursor: not-allowed; transform: none; }
.btn-outline-navy {
  background: transparent; color: var(--navy); border: 1.5px solid var(--navy);
  border-radius: 8px; padding: 9px 18px; font-size: 0.84rem; font-weight: 600;
  cursor: pointer; transition: all .2s; display: inline-flex; align-items: center; gap: 6px; font-family: inherit;
}
.btn-outline-navy:hover { background: var(--navy); color: #fff; }
.btn-reset {
  background: #f1f4f8; color: var(--text-muted); border: 1.5px solid var(--border);
  border-radius: 8px; padding: 9px 16px; font-size: 0.82rem; font-weight: 600;
  cursor: pointer; transition: all .2s; font-family: inherit;
}
.btn-reset:hover { background: #e5eaf0; color: var(--text); }
.btn-add-item {
  background: var(--success-bg); color: var(--success); border: 1.5px dashed var(--success);
  border-radius: 8px; padding: 9px 16px; font-size: 0.82rem; font-weight: 600;
  cursor: pointer; transition: all .2s; width: 100%;
  display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 12px; font-family: inherit;
}
.btn-add-item:hover { background: #c8f5e0; }
.btn-add-item:disabled { opacity: 0.45; cursor: not-allowed; }
.btn-remove-item {
  background: var(--danger-bg); color: var(--danger); border: 1.5px solid #fca5a5;
  border-radius: 6px; padding: 5px 11px; font-size: 0.76rem; font-weight: 600;
  cursor: pointer; transition: all .2s; display: inline-flex; align-items: center; gap: 5px; font-family: inherit;
}
.btn-remove-item:hover { background: #fee2e2; border-color: var(--danger); }
.btn-spinner { display: inline-block; width: 14px; height: 14px; border: 2px solid rgba(255,255,255,.4); border-top-color: #fff; border-radius: 50%; animation: spin .6s linear infinite; vertical-align: middle; }

/* ── ITEM CARDS ── */
.item-card { border: 1.5px solid var(--border); border-radius: 10px; padding: 17px; background: #fafcff; margin-bottom: 13px; transition: border-color .2s; }
.item-card:hover { border-color: #b5cce0; }
.item-card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; padding-bottom: 10px; border-bottom: 1px solid #eef2f7; }
.item-card-title { font-size: 0.82rem; font-weight: 700; color: var(--navy-dark); display: flex; align-items: center; gap: 6px; }
.item-num { width: 22px; height: 22px; border-radius: 50%; background: var(--navy); color: #fff; font-size: 0.66rem; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* ── COLLATERAL ── */
.collateral-type-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(100px,1fr)); gap: 8px; margin-bottom: 14px; }
.collateral-type-btn {
  border: 1.5px solid var(--border); border-radius: 8px; background: #f4f8fd;
  padding: 10px 6px; text-align: center; cursor: pointer; transition: all .2s;
  font-size: 0.72rem; font-weight: 600; color: var(--text-muted);
}
.collateral-type-btn i { display: block; font-size: 1.25rem; margin-bottom: 4px; color: var(--navy-light); }
.collateral-type-btn:hover { border-color: var(--navy-light); background: #eef4fd; color: var(--navy); }
.collateral-type-btn.selected { border-color: var(--navy); background: #deedfb; color: var(--navy-dark); }
.collateral-type-btn.selected i { color: var(--navy-dark); }

/* ── INFO BOX ── */
.info-box {
  background: #eef6ff; border: 1px solid #b3d4f5; border-radius: 8px;
  padding: 11px 14px; font-size: 0.78rem; color: var(--navy-dark);
  display: flex; gap: 10px; align-items: flex-start; margin-bottom: 16px;
}
.info-box i { color: var(--navy-light); font-size: 0.92rem; flex-shrink: 0; margin-top: 1px; }

/* ── EMPTY STATE ── */
.empty-state { text-align: center; padding: 28px 16px; color: var(--text-muted); font-size: 0.82rem; }
.empty-state i { font-size: 2.2rem; color: #c4d0dd; display: block; margin-bottom: 8px; }

/* ── SECTION BADGE ── */
.section-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: #eef4fb; color: var(--navy); border: 1px solid #c8ddef;
  border-radius: 6px; font-size: 0.68rem; font-weight: 700;
  padding: 3px 10px; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .4px;
}
.optional-badge { font-size: 0.66rem; font-weight: 500; color: var(--text-muted); background: #f1f4f8; border: 1px solid var(--border); border-radius: 4px; padding: 1px 7px; margin-left: 8px; vertical-align: middle; }

/* ── CONFIRM ── */
.confirm-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; margin-bottom: 16px; }
.confirm-row { display: flex; gap: 8px; padding: 6px 0; border-bottom: 1px solid #f0f4f8; font-size: 0.8rem; }
.confirm-key { min-width: 125px; font-weight: 600; color: var(--text-muted); flex-shrink: 0; font-size: 0.76rem; }
.confirm-val { color: var(--text); font-weight: 500; word-break: break-word; }

/* ── DECLARATION / CAPTCHA ── */
.declaration-box { background: #f8fafc; border: 1px solid #dde5ef; border-radius: 8px; padding: 13px 15px; font-size: 0.77rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 13px; }
.captcha-box { display: flex; align-items: center; gap: 10px; background: #f4f8fd; border: 1.5px solid var(--border); border-radius: 8px; padding: 11px 15px; font-size: 0.82rem; font-weight: 600; color: var(--text); margin-bottom: 18px; }
.captcha-box input[type="checkbox"] { width: 18px; height: 18px; cursor: pointer; accent-color: var(--navy); }

/* ── PROGRESS BAR ── */
.progress-wrap { margin-top: 20px; }
.progress-bar-outer { background: #e5eaf0; border-radius: 20px; height: 6px; overflow: hidden; }
.progress-bar-inner { background: linear-gradient(90deg, var(--navy), var(--navy-light)); height: 100%; border-radius: 20px; transition: width .5s ease; }
.progress-label { font-size: 0.71rem; color: var(--text-muted); font-weight: 600; margin-top: 5px; text-align: right; }

/* ── SUCCESS STATE ── */
.success-card { background: var(--bg-card); border-radius: 16px; padding: 48px 32px; text-align: center; box-shadow: var(--shadow-lg); border: 1px solid var(--border); }
.success-icon-wrap { width: 80px; height: 80px; border-radius: 50%; background: var(--success-bg); border: 3px solid var(--success); display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; font-size: 2.4rem; }
.ref-box { background: #f4f8fd; border: 1px solid var(--border); border-radius: 10px; padding: 16px 24px; display: inline-block; margin-bottom: 22px; }
.ref-label { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); margin-bottom: 4px; }
.ref-no { font-size: 1.4rem; font-weight: 700; color: var(--navy-dark); font-family: monospace; }

/* ── FOOTER ── */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,.7); padding: 44px 0 0; }
.footer-brand h3 { font-family: 'Libre Baskerville', serif; color: #fff; font-size: 1.2rem; margin-bottom: 8px; }
.footer-brand p { font-size: 0.77rem; line-height: 1.7; color: rgba(255,255,255,.6); }
.footer-logo img { width: 44px; height: 44px; border-radius: 8px; background: rgba(255,255,255,.1); padding: 4px; object-fit: contain; margin-bottom: 10px; }
.footer-section h5 { color: #fff; font-size: 0.86rem; font-weight: 700; margin-bottom: 13px; }
.footer-section p { font-size: 0.77rem; color: rgba(255,255,255,.6); line-height: 1.7; margin-bottom: 7px; }
.footer-section strong { color: rgba(255,255,255,.85); }
.fc-input { width: 100%; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.15); border-radius: 6px; color: rgba(255,255,255,.85); padding: 8px 11px; font-size: 0.77rem; margin-bottom: 8px; font-family: inherit; }
.fc-input::placeholder { color: rgba(255,255,255,.35); }
.fc-input:focus { outline: none; border-color: rgba(255,255,255,.4); }
.btn-send { width: 100%; background: var(--navy-light); color: #fff; border: none; border-radius: 6px; padding: 9px; font-size: 0.81rem; font-weight: 600; cursor: pointer; transition: background .2s; font-family: inherit; }
.btn-send:hover { background: var(--navy-mid); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); text-align: center; padding: 15px; font-size: 0.73rem; color: rgba(255,255,255,.4); margin-top: 34px; }

@media (max-width: 768px) {
  .step-circle { width: 28px; height: 28px; font-size: 0.7rem; }
  .step-label { font-size: 0.52rem; white-space: normal; line-height: 1.2; }
  .step-connector { margin-top: 13px; }
  .confirm-grid { grid-template-columns: 1fr; }
  .loan-type-grid { grid-template-columns: repeat(2, 1fr); }
  .prefill-strip { flex-wrap: wrap; }
}
@media (max-width: 480px) {
  .header-inner { padding: 12px 14px; }
  .brand-logo img { width: 42px; height: 42px; }
  .brand-text h2 { font-size: 1.2rem; }
  .contact-info { display: none; }
  .form-card { padding: 16px 13px 14px; }
  .loan-type-grid { grid-template-columns: repeat(2, 1fr); }
  .collateral-type-grid { grid-template-columns: repeat(3, 1fr); }
}