/* ==========================================================================
   Activ Paisa — loan product pages
   Builds on css/styles.css: tokens, buttons, form controls, header, footer,
   toasts and carousel all come from there. Only new components live here.
   ========================================================================== */

/* ==========================================================================
   Motion — the reveal/stagger vocabulary, done in CSS
   ========================================================================== */
[data-reveal] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .8s cubic-bezier(.22, 1, .36, 1),
              transform .8s cubic-bezier(.22, 1, .36, 1);
  will-change: opacity, transform;
}
[data-reveal].is-in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; transition: none; }
}

.section-sub {
  font-size: var(--text-lead); color: var(--ink-2); line-height: 1.5;
  text-align: center; max-width: 36rem; margin: -30px auto var(--sp-14);
}
.section-sub:empty { display: none; }

/* ==========================================================================
   Product hero
   ========================================================================== */
.lp-hero {
  position: relative; overflow: hidden;
  padding: 64px 0 88px;
  background:
    radial-gradient(900px 420px at 12% -10%, var(--tint), transparent 62%),
    radial-gradient(700px 380px at 96% 8%, #F3EEFF, transparent 60%);
}
.lp-hero-grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 52px; align-items: center;
}

.lp-eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 7px 16px; border-radius: 999px;
  background: rgba(255, 255, 255, .72);
  border: 1px solid var(--line);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  font-size: .82rem; font-weight: 600; color: var(--secondary);
}
.lp-eyebrow::before {
  content: ""; width: 7px; height: 7px; border-radius: 50%;
  background: var(--primary);
}

.lp-title { font-size: clamp(1.9rem, 3.6vw, 2.6rem); margin: 18px 0 6px; }
.lp-amount {
  display: flex; align-items: baseline; gap: 6px;
  font-size: clamp(2.6rem, 6.2vw, 4.2rem); font-weight: 800; line-height: 1;
  letter-spacing: -.035em; color: var(--secondary); margin-bottom: 20px;
}
.lp-lede { font-size: 1.02rem; color: var(--ink-2); max-width: 34rem; margin-bottom: 26px; }

.lp-facts {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px; background: var(--line);
  border: 1px solid var(--line); border-radius: var(--r-md);
  overflow: hidden; margin-bottom: 28px; max-width: 34rem;
}
.lp-facts > div { background: rgba(255, 255, 255, .82); padding: 14px 16px; }
.lp-facts dt { font-size: .76rem; color: var(--ink-2); margin-bottom: 3px; }
.lp-facts dd { font-size: 1rem; font-weight: 700; }

.lp-cta-row { display: flex; flex-wrap: wrap; gap: var(--sp-4); align-items: center; }
.lp-cta-row .btn-ghost { min-height: 64px; }
/* Clear of the CTA's drop shadow, which reaches 20px below the button box */
.lp-trust { font-size: var(--text-caption); color: var(--ink-3); margin-top: var(--sp-6); }

/* glass panel on the right of the hero */
.lp-hero-card {
  position: relative;
  border-radius: var(--r-xl);
  padding: 30px;
  background: rgba(255, 255, 255, .68);
  border: 1px solid rgba(255, 255, 255, .9);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  box-shadow: var(--sh-xl);
}
.lp-hero-card h2 { font-size: 1.12rem; margin-bottom: 4px; }
.lp-hero-card > p { font-size: .88rem; color: var(--ink-2); margin-bottom: 20px; }

.lp-steps { display: grid; gap: 14px; margin-bottom: 22px; }
.lp-steps li, .cp-steps li { display: flex; gap: 13px; align-items: flex-start; }
.lp-steps .n, .cp-steps .n {
  flex-shrink: 0; display: grid; place-items: center;
  width: 28px; height: 28px; border-radius: 9px;
  background: var(--grad); color: #fff; font-size: .8rem; font-weight: 700;
}
.lp-steps strong, .cp-steps strong { display: block; font-size: .92rem; }
.lp-steps span, .cp-steps span { font-size: .84rem; color: var(--ink-2); }

/* Rate factors — the numbered-step vocabulary in two readable columns */
.sl-factors {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--sp-6) var(--sp-10);
  max-width: 62rem; margin: var(--sp-10) auto 0;
}
.sl-factors li { align-items: flex-start; }

@media (max-width: 860px) {
  .sl-factors { grid-template-columns: 1fr; }
}

/* Same steps, laid across a full-width section instead of the hero card */
.cp-steps {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--sp-8); list-style: none; margin-top: var(--sp-10);
}

/* Credit card payoff — the two-outcome comparison in the hero card.
   Colour carries the contrast, so each row also states its own figure and
   caption rather than relying on red-versus-green alone. */
.cp-versus { display: grid; gap: 12px; margin-bottom: 22px; }
.cp-versus li {
  padding: 14px 16px; border-radius: var(--r-md);
  background: rgba(255, 255, 255, .7); border: 1px solid var(--line);
}
.cp-versus li.is-good { border-color: var(--primary); background: var(--tint); }
.cp-versus-tag { display: block; font-size: .76rem; color: var(--ink-2); margin-bottom: 4px; }
.cp-versus strong { display: block; font-size: 1.5rem; font-weight: 800; letter-spacing: -.02em; }
.cp-versus-bad { color: var(--danger); }
.cp-versus-good { color: var(--primary); }
.cp-versus-note { display: block; font-size: .78rem; color: var(--ink-2); margin-top: 2px; }
.cp-versus-foot { font-size: var(--text-caption); color: var(--ink-3); margin-top: 12px; text-align: center; }

/* Lender strip — separated cards on a transparent container, so the strip
   sits on whatever section background it is dropped onto without a slab of
   its own fighting it. */
.cp-lenders {
  display: grid; grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: var(--sp-4);
  margin-top: var(--sp-10); list-style: none;
}
.cp-lender {
  display: grid; place-items: center;
  padding: var(--sp-6) var(--sp-4);
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease),
              transform var(--dur) var(--ease);
}
.cp-lender:hover {
  border-color: rgba(0, 96, 176, .35);
  box-shadow: var(--sh-md);
  transform: translateY(-2px);
}
.cp-lender .p-logo { margin-bottom: 0; width: 110px; max-width: 100%; height: 40px; }

@media (prefers-reduced-motion: reduce) { .cp-lender { transition: none; } }

/* ==========================================================================
   Benefit cards
   ========================================================================== */
.benefit-grid {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px;
}
.benefit-card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-xl); padding: 30px 28px;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease),
              border-color var(--dur) var(--ease);
}
/* No jump on hover. A card that leaps at the cursor is asking for attention
   it has not earned. */
.benefit-card:hover { border-color: var(--line-strong); }
.benefit-card .ico {
  display: grid; place-items: center;
  width: 42px; height: 42px; border-radius: 12px;
  background: var(--tint); color: var(--primary);
  font-weight: 700; margin-bottom: 15px;
}
.benefit-card h3 { font-size: 1rem; margin-bottom: 7px; }
.benefit-card p { font-size: .89rem; color: var(--ink-2); }

/* ==========================================================================
   Calculators
   ========================================================================== */
.calc-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 30px; align-items: start; }

.calc-panel, .calc-out {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-xl); padding: 32px;
}
.calc-out {
  background: linear-gradient(160deg, #16203A, #0B1220);
  border-color: transparent; color: #fff;
}

.calc-row { margin-bottom: 26px; }
.calc-row:last-child { margin-bottom: 0; }
.calc-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; }
.calc-head label { font-size: .88rem; font-weight: 600; color: var(--ink-2); }
.calc-head output { font-size: 1.02rem; font-weight: 700; color: var(--ink); }

input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 999px; background: transparent;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-runnable-track {
  height: 6px; border-radius: 999px;
  background: linear-gradient(90deg, var(--primary) var(--fill, 0%), var(--surface-alt) var(--fill, 0%));
}
input[type="range"]::-moz-range-track {
  height: 6px; border-radius: 999px;
  background: linear-gradient(90deg, var(--primary) var(--fill, 0%), var(--surface-alt) var(--fill, 0%));
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; margin-top: -8px;
  border-radius: 50%; background: #fff;
  border: 2px solid var(--primary);
  box-shadow: 0 2px 8px rgba(12, 110, 110, .35);
  transition: transform var(--dur) var(--ease);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: #fff; border: 2px solid var(--primary);
  box-shadow: 0 2px 8px rgba(12, 110, 110, .35);
}
input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.12); }
input[type="range"]:focus-visible { outline: 3px solid var(--primary); outline-offset: 6px; }

.calc-emi-label { font-size: .82rem; color: #94A3B8; }
.calc-emi {
  font-size: clamp(2rem, 4.4vw, 2.7rem); font-weight: 800;
  letter-spacing: -.03em; margin: 4px 0 22px;
}
.calc-split {
  height: 10px; border-radius: 999px; overflow: hidden;
  background: #F5C451; margin-bottom: 12px;
  background-image: linear-gradient(90deg, #5AA9FF var(--principal, 50%), #F5C451 var(--principal, 50%));
}
.calc-legend { display: flex; gap: 18px; font-size: .8rem; color: #94A3B8; margin-bottom: 22px; }
.calc-legend span { display: flex; align-items: center; gap: 7px; }
.calc-legend i { width: 10px; height: 10px; border-radius: 3px; display: inline-block; }
.calc-legend .i-p { background: #5AA9FF; }
.calc-legend .i-i { background: #F5C451; }

.calc-rows { display: grid; gap: 12px; }
.calc-rows > div { display: flex; justify-content: space-between; align-items: baseline; }
.calc-rows dt { font-size: .86rem; color: #94A3B8; }
.calc-rows dd { font-size: 1rem; font-weight: 700; }
.calc-foot { margin-top: 22px; font-size: .76rem; color: #64748B; line-height: 1.6; }

/* eligibility
   Fields stack vertically inside the panel; spacing lives here, not inline. */
.elig-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-7); align-items: start; }
.calc-panel .field.outlined + .field.outlined { margin-top: var(--sp-6); }
.elig-result {
  border-radius: var(--r-lg); padding: 28px;
  background: var(--bg); border: 1px dashed var(--line);
  text-align: center;
  transition: background var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.elig-result.is-ready { background: var(--tint); border-style: solid; border-color: rgba(12,110,110,.28); }
.elig-result .cap { font-size: .84rem; color: var(--ink-2); }
.elig-amount {
  font-size: clamp(1.8rem, 4vw, 2.4rem); font-weight: 800;
  color: var(--secondary); letter-spacing: -.03em; margin: 8px 0 10px;
}
.elig-note { font-size: .82rem; color: var(--ink-2); line-height: 1.6; }

/* ==========================================================================
   Comparison cards
   ========================================================================== */
.cmp-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; align-items: start; }
.cmp-card {
  position: relative;
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-xl); padding: 32px 28px;
  transition: border-color var(--dur) var(--ease);
}
.cmp-card:hover { border-color: var(--line-strong); }
.cmp-card.is-featured {
  border-color: var(--primary);
  box-shadow: 0 18px 40px rgba(12, 110, 110, .16);
}
.cmp-flag {
  position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--grad); color: #fff;
  font-size: .7rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  padding: 5px 14px; border-radius: 999px; white-space: nowrap;
}
.cmp-name { font-size: 1.02rem; }
.cmp-rate { font-size: .86rem; color: var(--ink-2); margin-top: 2px; }
.cmp-emi { display: flex; align-items: baseline; gap: 7px; margin: 18px 0; }
.cmp-emi-value { font-size: 1.7rem; font-weight: 800; letter-spacing: -.03em; color: var(--secondary); }
.cmp-emi-label { font-size: .82rem; color: var(--ink-3); }
.cmp-rows { display: grid; gap: 9px; padding-top: 16px; border-top: 1px solid var(--line); }
.cmp-rows > div { display: flex; justify-content: space-between; gap: 12px; }
.cmp-rows dt { font-size: .84rem; color: var(--ink-2); }
.cmp-rows dd { font-size: .88rem; font-weight: 700; }
.cmp-note { font-size: .82rem; color: var(--ink-3); margin-top: 16px; }

/* ==========================================================================
   Eligibility criteria + document checklist
   ========================================================================== */
.crit-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px 30px; }
.crit-row {
  display: flex; justify-content: space-between; gap: 18px;
  padding: 15px 0; border-bottom: 1px solid var(--line);
}
.crit-row dt { font-size: .9rem; color: var(--ink-2); }
.crit-row dd { font-size: .9rem; font-weight: 600; text-align: right; }

.doc-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px 30px; }
.doc-row { display: flex; gap: 13px; align-items: flex-start; }
.doc-row svg {
  flex-shrink: 0; margin-top: 3px;
  color: var(--success); background: var(--success-bg);
  border-radius: 50%; padding: 3px; box-sizing: content-box;
}
.doc-row strong { display: block; font-size: .93rem; }
.doc-row span { font-size: .84rem; color: var(--ink-2); }

/* ==========================================================================
   FAQ accordion
   ========================================================================== */
.faq-list { max-width: 860px; margin-inline: auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-trigger {
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  width: 100%; text-align: left;
  padding: 26px 2px; font-size: var(--text-lead); font-weight: 500; color: var(--ink);
  letter-spacing: -.015em;
}
.faq-trigger:hover { color: var(--primary); }
.faq-trigger .chev {
  flex-shrink: 0; width: 24px; height: 24px; color: var(--ink-3);
  display: grid; place-items: center;
  transition: transform .4s var(--ease), color var(--dur) var(--ease);
}
.faq-item.is-open .faq-trigger { color: var(--primary); }
.faq-item.is-open .chev { transform: rotate(180deg); color: var(--primary); }

.faq-panel {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows .32s var(--ease);
}
.faq-item.is-open .faq-panel { grid-template-rows: 1fr; }
.faq-panel > div { overflow: hidden; }
.faq-panel p { font-size: .92rem; color: var(--ink-2); line-height: 1.75; padding: 0 4px 22px; }

/* ==========================================================================
   Sticky apply bar
   ========================================================================== */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  transform: translateY(110%);
  transition: transform .34s var(--ease);
  background: rgba(255, 255, 255, .72);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-top: 1px solid var(--line);
  box-shadow: none;
}
.sticky-cta.is-visible { transform: none; }
/* it lives outside #main, so the view toggle does not hide it */
body.is-applying .sticky-cta { display: none; }
.sticky-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 14px 24px;
}
.sticky-copy strong { display: block; font-size: .95rem; }
.sticky-copy span { font-size: .82rem; color: var(--ink-2); }

/* ==========================================================================
   Application flow
   ========================================================================== */
.apply-body { padding: 30px 24px 80px; max-width: 860px; }

.flow-progress { margin-bottom: 34px; }
.flow-track { height: 6px; border-radius: 999px; background: var(--surface-alt); overflow: hidden; }
.flow-fill {
  display: block; height: 100%; width: 0;
  background: var(--grad); border-radius: 999px;
  transition: width .45s var(--ease);
}
.flow-steps { display: flex; justify-content: space-between; margin-top: 12px; gap: 8px; }
.flow-steps li {
  font-size: .78rem; font-weight: 600; color: var(--ink-3);
  transition: color var(--dur) var(--ease);
}
.flow-steps li.is-done { color: var(--success); }
.flow-steps li.is-current { color: var(--primary); }

.flow-step { animation: flowIn .34s var(--ease); }
@keyframes flowIn {
  from { opacity: 0; transform: translateX(16px); }
  to   { opacity: 1; transform: none; }
}
.flow-title { font-size: clamp(1.25rem, 2.6vw, 1.55rem); margin-bottom: 6px; }
/* steps with no sub-line would otherwise run straight into the first field */
.flow-step .form-grid { margin-top: 22px; }
.flow-step .form-grid legend { margin-bottom: 10px; }
.flow-sub { font-size: .93rem; color: var(--ink-2); margin-bottom: 28px; }

/* ---- multi-card breakdown ---- */
#cardRows { margin-top: 12px; }
.card-row { border: 1px solid var(--border); border-radius: 8px; padding: 16px; margin-bottom: 12px; background: var(--bg-alt, #f9fafb); }
.card-row-head { font-size: .95rem; font-weight: 600; margin-bottom: 12px; }
.card-row .form-grid { margin-top: 0; }
.field.is-computed input { color: var(--ink-2); background: var(--bg-disabled, #f5f5f5); }

/* the single-issuer field is hidden when the breakdown is active */
.field[hidden] { display: none; }
.flow-done { text-align: center; padding-top: 20px; }
.flow-done .flow-sub { max-width: 34rem; margin-inline: auto; }

/* the apply body is far wider than the six boxes need */
.flow-step .otp-inputs { max-width: 372px; gap: 10px; }
.flow-step .otp-inputs input { aspect-ratio: 1 / 1.1; font-size: 1.25rem; }

/* ---------- Confirmation ----------
   One centred column with a single measure: callout, timeline, reference and
   the action all share the same width and left edge, so the screen reads as
   one designed unit rather than stacked fragments. */
.flow-done { --done-col: 400px; text-align: center; padding-top: 28px; }

.flow-done .flow-title {
  font-size: clamp(1.5rem, 3vw, 1.9rem);
  letter-spacing: -.025em;
  margin-bottom: 8px;
}
.flow-done .flow-sub {
  max-width: 34rem; margin: 0 auto 30px;
  font-size: .95rem; color: var(--ink-2);
}

/* gentle staggered entrance, one element after the next */
.flow-done > * {
  animation: done-in .55s var(--ease) both;
}
.flow-done > *:nth-child(1) { animation-delay: 0s; }
.flow-done > *:nth-child(2) { animation-delay: .08s; }
.flow-done > *:nth-child(3) { animation-delay: .16s; }
.flow-done > *:nth-child(4) { animation-delay: .24s; }
.flow-done > *:nth-child(5) { animation-delay: .32s; }
.flow-done > *:nth-child(6) { animation-delay: .40s; }
.flow-done > *:nth-child(7) { animation-delay: .48s; }
.flow-done > *:nth-child(8) { animation-delay: .56s; }
@keyframes done-in {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: none; }
}

/* overflow stays visible so the specialist's head rises above the card edge,
   exactly as drawn in the design */
.done-callout {
  display: flex; align-items: center; gap: 14px;
  width: min(480px, 100%);
  margin: 0 auto 34px; padding: 16px 8px 0 20px;
  text-align: left;
  border-radius: var(--r-md);
  background: #F7FBF9;
  border: 1px solid rgba(47, 158, 99, .22);
}
.done-callout .ring {
  flex-shrink: 0; display: grid; place-items: center;
  width: 44px; height: 44px; border-radius: 50%;
  background: #E4F3E9; color: var(--success);
  margin-bottom: 16px;
}
.done-callout strong { display: block; font-size: .98rem; letter-spacing: -.01em; color: var(--ink); }
.done-callout strong .hl { font-style: normal; color: var(--success); }
.done-callout span { font-size: .84rem; color: var(--ink-2); }
.done-callout > div { flex: 1; min-width: 0; padding-bottom: 16px; }
.callout-art { flex-shrink: 0; align-self: flex-end; line-height: 0; }
.callout-art img { display: block; width: 148px; height: auto; }

/* submitted figures next to the indicative approval read */
.done-band {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
  width: min(680px, 100%);
  margin: 0 auto 30px;
  text-align: left;
}
.done-stat {
  padding: 18px 20px;
  border: 1px solid var(--line); border-radius: var(--r-md);
  background: var(--surface);
}
.done-stat h3 {
  font-size: .8rem; font-weight: 700; letter-spacing: .04em;
  text-transform: uppercase; color: var(--ink-3);
  margin-bottom: 14px;
}
.done-stat-rows { display: grid; gap: 9px; }
.done-stat-rows > div { display: flex; justify-content: space-between; gap: 12px; }
.done-stat-rows dt { font-size: .84rem; color: var(--ink-2); }
.done-stat-rows dd { font-size: .86rem; font-weight: 700; text-align: right; }

.score-body { display: flex; align-items: center; gap: 16px; }
.score-gauge { position: relative; flex-shrink: 0; width: 110px; text-align: center; }
.score-gauge svg { display: block; width: 110px; height: auto; }
.score-num {
  display: block; margin-top: -38px;
  font-size: 1.45rem; font-weight: 800; letter-spacing: -.02em; color: var(--ink);
}
.score-band { display: block; font-size: .8rem; font-weight: 700; color: var(--success); }
.score-band.is-mid { color: #B45309; }
.score-what { display: block; font-size: .88rem; letter-spacing: -.01em; margin-bottom: 2px; }

.chance-body { display: flex; align-items: center; gap: 16px; }
.chance-ring { position: relative; flex-shrink: 0; width: 88px; height: 88px; }
.chance-ring svg { display: block; }
.chance-ring .ring-track { stroke: var(--surface-alt); }
.chance-ring .ring-val { stroke: var(--success); }
.chance-ring .pct {
  position: absolute; inset: 0; display: grid; place-items: center;
  font-size: 1.05rem; font-weight: 800; color: var(--success);
}
.chance-label { display: block; font-size: 1rem; font-weight: 800; color: var(--success); }
.chance-note { font-size: .8rem; line-height: 1.5; color: var(--ink-3); margin-top: 4px; }

/* journey on the left, reference and prep on the right */
.done-grid {
  display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 28px;
  margin: 0 auto 30px;
  text-align: left;
}
.done-grid h3 { font-size: .98rem; letter-spacing: -.01em; margin-bottom: 18px; }

.done-next { display: grid; gap: 0; }
.done-next li { position: relative; display: flex; gap: 16px; padding-bottom: 22px; }
.done-next .chip {
  margin-left: auto; align-self: flex-start; flex-shrink: 0;
  font-size: .72rem; font-weight: 700; padding: 3px 10px; border-radius: 999px;
  background: var(--surface-alt); color: var(--ink-3); border: 1px solid var(--line);
}
.done-next .chip.is-live { background: var(--success-bg); color: var(--success); border-color: transparent; }

.done-refcard {
  align-self: start;
  padding: 22px;
  border: 1px solid var(--line); border-radius: var(--r-md);
  background: var(--surface);
}
.done-refcard code {
  display: block; width: fit-content;
  font-family: ui-monospace, Menlo, monospace; font-size: 1.2rem; font-weight: 800;
  letter-spacing: .06em; color: var(--secondary);
  background: var(--surface-alt); padding: 8px 14px; border-radius: 8px;
  cursor: pointer; margin-bottom: 10px;
  transition: background var(--dur) var(--ease);
}
.done-refcard code:hover { background: var(--tint); }
.refcard-hint { font-size: .82rem; color: var(--ink-2); margin-bottom: 18px; }
.refcard-track { display: flex; justify-content: center; margin: -6px 0 18px; }
.done-refcard .done-stat-rows { margin-bottom: 18px; }
.done-refcard h4 { font-size: .86rem; margin-bottom: 10px; }
.done-refcard ul { display: grid; gap: 8px; margin-bottom: 18px; }
.done-refcard ul li {
  position: relative; padding-left: 18px;
  font-size: .84rem; line-height: 1.5; color: var(--ink-2);
}
.done-refcard ul li::before {
  content: ""; position: absolute; left: 0; top: .45em;
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--primary); opacity: .55;
}
.done-secure { padding: 12px 14px; border-radius: var(--r-md); background: var(--success-bg); }
.done-secure strong { display: block; font-size: .84rem; color: var(--success); margin-bottom: 2px; }
.done-secure span { font-size: .8rem; line-height: 1.5; color: var(--ink-2); }

.done-trust {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;
  margin-top: 30px; padding-top: 22px;
  border-top: 1px solid var(--line);
}
.done-trust strong { display: block; font-size: .88rem; letter-spacing: -.01em; }
.done-trust span { font-size: .78rem; color: var(--ink-3); }

@media (max-width: 760px) {
  .done-band, .done-grid { grid-template-columns: 1fr; }
  .done-trust { grid-template-columns: repeat(2, 1fr); text-align: left; }
}
.done-next li:last-child { padding-bottom: 0; }
.done-next li::before {
  content: ""; position: absolute; left: 13px; top: 30px; bottom: 2px;
  width: 1px; background: var(--line);
}
.done-next li:last-child::before { display: none; }
.done-next .n {
  position: relative; z-index: 1;
  flex-shrink: 0; display: grid; place-items: center;
  width: 27px; height: 27px; border-radius: 50%;
  background: var(--surface); color: var(--ink-2);
  border: 1px solid var(--line-strong);
  font-size: .76rem; font-weight: 700;
}
.done-next strong { display: block; font-size: .95rem; letter-spacing: -.01em; margin-bottom: 2px; }
.done-next span { font-size: .86rem; line-height: 1.55; color: var(--ink-2); }

.flow-done .btn { width: min(var(--done-col), 100%); min-height: 54px; }

@media (prefers-reduced-motion: reduce) {
  .flow-done > * { animation: none; }
}

/* ==========================================================================
   Document upload
   ========================================================================== */
.drop-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.drop { display: flex; flex-direction: column; }

.drop-zone {
  border: 1.5px dashed var(--line); border-radius: var(--r-md);
  padding: 20px; background: var(--surface); cursor: pointer;
  transition: border-color var(--dur) var(--ease), background var(--dur) var(--ease),
              transform var(--dur) var(--ease);
}
.drop-zone:hover { border-color: var(--primary); background: var(--tint); }
.drop-zone.is-over {
  border-color: var(--primary); background: var(--tint);
  transform: scale(1.015);
}
.drop-zone:focus-visible { outline: 3px solid var(--primary); outline-offset: 2px; }

.drop-head strong { display: block; font-size: .93rem; }
.drop-hint { font-size: .8rem; color: var(--ink-3); }
.drop-cue {
  display: flex; align-items: center; gap: 9px; margin-top: 14px;
  font-size: .84rem; font-weight: 600; color: var(--primary);
}

.drop-file {
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  padding: 16px 18px; border-radius: var(--r-md);
  background: var(--success-bg); border: 1.5px solid rgba(5, 150, 105, .3);
  animation: flowIn .28s var(--ease);
}
.drop-name { font-size: .9rem; font-weight: 600; flex: 1; min-width: 0; word-break: break-all; }
.drop-size { font-size: .78rem; color: var(--ink-2); }
.drop-remove {
  font-size: .82rem; font-weight: 600; color: var(--danger);
  text-decoration: underline; text-underline-offset: 2px;
}
.drop.has-error .drop-zone { border-color: var(--danger); background: var(--danger-bg); }
.drop .error { margin-top: var(--sp-2); }
.drop.has-error .error { opacity: 1; visibility: visible; }

/* ==========================================================================
   Review
   ========================================================================== */
.review-list { display: grid; gap: 22px; }
.review-block {
  border: 1px solid var(--line); border-radius: var(--r-md);
  padding: 20px 22px; background: var(--surface);
}
.review-block h3 { font-size: .95rem; margin-bottom: 14px; }
.review-block dl { display: grid; gap: 10px; }
.review-block dl > div {
  display: flex; justify-content: space-between; gap: 20px;
  padding-bottom: 10px; border-bottom: 1px solid var(--line);
}
.review-block dl > div:last-child { border-bottom: 0; padding-bottom: 0; }
.review-block dt { font-size: .85rem; color: var(--ink-2); }
.review-block dd { font-size: .88rem; font-weight: 600; text-align: right; }
.review-files { display: grid; gap: 8px; font-size: .87rem; }
.review-files .is-empty { color: var(--ink-3); font-style: italic; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1024px) {
  .lp-hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .lp-hero-card { max-width: 520px; }
  .benefit-grid, .cmp-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calc-grid, .elig-grid { grid-template-columns: 1fr; }
}

@media (max-width: 860px) {
  .crit-grid, .doc-list, .drop-grid { grid-template-columns: 1fr; }
  .cp-steps { grid-template-columns: 1fr; gap: var(--sp-6); }
  .cp-lenders { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

@media (max-width: 720px) {
  .lp-hero { padding: 44px 0 60px; }
  .benefit-grid, .cmp-grid { grid-template-columns: 1fr; }
  .lp-facts { grid-template-columns: 1fr 1fr; }
  .calc-panel, .calc-out, .elig-result { padding: 22px; }
  .sticky-inner { padding: 12px 16px; }
  .sticky-copy span { display: none; }
  .flow-steps li { font-size: .7rem; }
  .apply-body { padding: 24px 16px 64px; }
}

@media (max-width: 460px) {
  /* three lender tiles leave no room for the logos on a narrow phone */
  .cp-lenders { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .callout-art img { width: 104px; }
  .lp-cta-row .btn { width: 100%; }
  .sticky-inner .btn { flex: 1; }
  .sticky-copy { display: none; }
  .review-block dl > div { flex-direction: column; gap: 3px; }
  .review-block dd { text-align: left; }
}