/* ============================================
   UNCAP. — Global Stylesheet
   ============================================ */

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

/* --- Reset & Base --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --midnight: #0A0A0F;
  --white: #F5F5F0;
  --lime: #C8FF00;
  --navy: #0D1B2A;
  --slate: #6B7280;
  --success: #22C55E;
  --amber: #F59E0B;
  --border: rgba(245, 245, 240, 0.08);
}

html {
  scroll-behavior: smooth;
}

body {
  background-color: var(--midnight);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5 {
  font-family: 'Space Grotesk', sans-serif;
  line-height: 1.15;
  font-weight: 700;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
  display: block;
}

/* --- Layout --- */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 96px 0;
}

.section--sm {
  padding: 64px 0;
}

.section--tight {
  padding-top: 48px;
}

/* --- Navigation --- */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(10, 10, 15, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.nav__logo {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.5px;
  color: var(--white);
}

.nav__logo span {
  color: var(--lime);
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav__links a {
  font-size: 15px;
  font-weight: 500;
  color: var(--slate);
  transition: color 0.2s;
}

.nav__links a:hover {
  color: var(--white);
}

.nav__cta {
  background: var(--lime);
  color: var(--midnight) !important;
  padding: 10px 20px;
  border-radius: 6px;
  font-weight: 600 !important;
  font-size: 14px !important;
  transition: opacity 0.2s !important;
}

.nav__cta:hover {
  opacity: 0.9;
}

.nav__mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
}

.nav__mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all 0.2s;
  text-decoration: none;
}

.btn--primary {
  background: var(--lime);
  color: var(--midnight);
}

.btn--primary:hover {
  background: #d4ff1a;
  transform: translateY(-1px);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border: 1px solid var(--border);
}

.btn--outline:hover {
  border-color: rgba(245, 245, 240, 0.3);
  background: rgba(245, 245, 240, 0.05);
}

.btn--lg {
  padding: 16px 32px;
  font-size: 17px;
}

/* --- Ticker Bar --- */
.ticker-bar {
  background: var(--navy);
  border-bottom: 1px solid var(--border);
  overflow: hidden;
  white-space: nowrap;
  padding: 10px 0;
  position: relative;
  z-index: 90;
}

.ticker-track {
  overflow: hidden;
}

.ticker-items {
  display: inline-flex;
  align-items: center;
  gap: 0;
  animation: ticker-scroll 40s linear infinite;
  white-space: nowrap;
}

.ticker-bar:hover .ticker-items {
  animation-play-state: paused;
}

.ticker-item {
  font-size: 13px;
  font-weight: 500;
  color: var(--white);
  opacity: 0.8;
  padding: 0 24px;
}

.ticker-item:nth-child(odd) {
  color: var(--lime);
  opacity: 1;
}

.ticker-sep {
  color: var(--border);
  font-size: 18px;
  opacity: 0.5;
}

@keyframes ticker-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* --- Hero --- */
.hero {
  padding: 80px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero__container {
  display: flex;
  align-items: center;
  gap: 64px;
}

.hero__content {
  flex: 1;
  min-width: 0;
}

.hero__visual {
  flex: 0 0 420px;
  width: 420px;
}

/* Hero photo carousel */
.hero__photos {
  position: relative;
  width: 100%;
  aspect-ratio: 4/3;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 32px 80px rgba(0,0,0,0.5);
}

.hero__photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0;
  transition: opacity 1s ease-in-out;
  border-radius: 16px;
}

.hero__photo.active {
  opacity: 1;
}

.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  left: 50%;
  transform: translateX(-50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200, 255, 0, 0.06) 0%, transparent 70%);
  pointer-events: none;
}

.hero__label {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--lime);
  margin-bottom: 24px;
}

.hero__headline {
  font-size: clamp(48px, 6vw, 72px);
  font-weight: 700;
  letter-spacing: -2px;
  line-height: 1.08;
  margin-bottom: 24px;
  max-width: 720px;
}

.hero__headline .highlight {
  color: var(--lime);
}

.hero__sub {
  font-size: 19px;
  color: var(--slate);
  max-width: 520px;
  margin-bottom: 40px;
  line-height: 1.6;
}

.hero__actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* --- Lender Marquee --- */
.lenders-section {
  overflow: hidden;
}

.lender-marquee {
  margin-top: 48px;
  overflow: hidden;
  position: relative;
}

.lender-marquee::before,
.lender-marquee::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}

.lender-marquee::before {
  left: 0;
  background: linear-gradient(to right, var(--midnight), transparent);
}

.lender-marquee::after {
  right: 0;
  background: linear-gradient(to left, var(--midnight), transparent);
}

.lender-track {
  display: flex;
  align-items: center;
  gap: 56px;
  animation: lender-scroll 35s linear infinite;
  width: max-content;
  will-change: transform;
}

.lender-track:hover {
  animation-play-state: paused;
}

.lender-logo {
  width: 120px;
  height: auto;
  max-height: 48px;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: 0.7;
  transition: opacity 0.2s;
  flex-shrink: 0;
}

.lender-logo:hover {
  opacity: 1;
}

.lender-name {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: #C8FF00;
  white-space: nowrap;
  flex-shrink: 0;
  letter-spacing: 0.02em;
  opacity: 0.75;
  transition: opacity 0.2s;
}

.lender-name:hover {
  opacity: 1;
}

.lender-sep {
  color: rgba(245,245,240,0.2);
  font-size: 20px;
  flex-shrink: 0;
  user-select: none;
}

@keyframes lender-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-25%); }
}

/* --- Trust Bar --- */
.trust-bar {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
  margin-top: 64px;
}

.trust-bar__items {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--slate);
}

.trust-bar__item .check {
  color: var(--lime);
  font-size: 16px;
}

/* --- Section Labels --- */
.section-label {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--lime);
  margin-bottom: 16px;
}

.section-headline {
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 700;
  letter-spacing: -1px;
  margin-bottom: 16px;
}

.section-sub {
  font-size: 18px;
  color: var(--slate);
  max-width: 560px;
  line-height: 1.6;
}

/* --- Value Props --- */
.props-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  margin-top: 64px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}

.prop-card {
  background: var(--midnight);
  padding: 40px 36px;
}

.prop-card__icon {
  font-size: 32px;
  margin-bottom: 20px;
}

.prop-card__title {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.5px;
}

.prop-card__body {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.65;
}

/* --- How It Works Steps --- */
.steps {
  margin-top: 64px;
  position: relative;
}

.steps::before {
  content: '';
  position: absolute;
  left: 28px;
  top: 40px;
  bottom: 40px;
  width: 1px;
  background: var(--border);
}

.step {
  display: flex;
  gap: 32px;
  margin-bottom: 48px;
  position: relative;
}

.step:last-child {
  margin-bottom: 0;
}

.step__num {
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--navy);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Space Grotesk', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--lime);
  position: relative;
  z-index: 1;
}

.step__content {
  padding-top: 12px;
}

.step__title {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 10px;
  letter-spacing: -0.5px;
}

.step__body {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.65;
  max-width: 600px;
}

/* --- Testimonials --- */
.testimonials {
  background: var(--navy);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 48px;
}

.testimonial {
  background: rgba(10, 10, 15, 0.5);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 32px;
}

.testimonial__quote {
  font-size: 17px;
  line-height: 1.65;
  margin-bottom: 24px;
  color: var(--white);
}

.testimonial__author {
  font-size: 14px;
  font-weight: 600;
  color: var(--slate);
}

/* --- FAQ Accordion --- */
.faq-list {
  margin-top: 48px;
}

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item:first-child {
  border-top: 1px solid var(--border);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 24px 0;
  cursor: pointer;
  font-family: 'Space Grotesk', sans-serif;
  font-size: 18px;
  font-weight: 600;
  letter-spacing: -0.3px;
  background: none;
  border: none;
  color: var(--white);
  width: 100%;
  text-align: left;
  transition: color 0.2s;
}

.faq-question:hover {
  color: var(--lime);
}

.faq-question .icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 400;
  transition: all 0.2s;
  color: var(--slate);
}

.faq-answer {
  padding-bottom: 24px;
  color: var(--slate);
  font-size: 16px;
  line-height: 1.7;
  display: none;
}

.faq-item.open .faq-answer {
  display: block;
}

.faq-item.open .faq-question {
  color: var(--lime);
}

.faq-item.open .icon {
  transform: rotate(45deg);
  border-color: var(--lime);
  color: var(--lime);
}

/* --- CTA Section --- */
.cta-section {
  text-align: center;
  padding: 120px 0;
}

.cta-section .section-headline {
  margin-bottom: 16px;
}

.cta-section .section-sub {
  margin: 0 auto 40px;
}

.cta-section__fine {
  margin-top: 20px;
  font-size: 13px;
  color: var(--slate);
}

/* --- Apply Form --- */
.apply-wrapper {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 64px;
  align-items: start;
  padding: 96px 0;
}

.form-section-title {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--lime);
  margin: 40px 0 20px;
}

.form-section-title:first-child {
  margin-top: 0;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 8px;
  color: rgba(245, 245, 240, 0.8);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  background: rgba(245, 245, 240, 0.05);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 12px 16px;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  outline: none;
  transition: border-color 0.2s;
  appearance: none;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--lime);
}

.form-group select {
  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='%236B7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
  cursor: pointer;
}

.form-group select option {
  background: #1a1a24;
  color: var(--white);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-helper {
  font-size: 12px;
  color: var(--slate);
  margin-top: 6px;
}

.form-submit {
  margin-top: 32px;
}

.form-submit .btn {
  width: 100%;
  justify-content: center;
}

.form-secure {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
  font-size: 13px;
  color: var(--slate);
}

/* --- Apply Sidebar --- */
.apply-sidebar {
  position: sticky;
  top: 88px;
}

.sidebar-card {
  background: var(--navy);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 32px;
  margin-bottom: 20px;
}

.sidebar-card__title {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 20px;
}

.sidebar-trust-list {
  list-style: none;
}

.sidebar-trust-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--slate);
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
}

.sidebar-trust-list li:last-child {
  border-bottom: none;
}

.sidebar-trust-list .check {
  color: var(--lime);
  font-size: 15px;
  margin-top: 1px;
  flex-shrink: 0;
}

/* --- How It Works Page Steps (full) --- */
.hiw-steps {
  margin-top: 64px;
}

.hiw-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 32px;
  padding: 48px 0;
  border-bottom: 1px solid var(--border);
}

.hiw-step:first-child {
  border-top: 1px solid var(--border);
}

.hiw-step__num {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 48px;
  font-weight: 700;
  color: var(--lime);
  opacity: 0.3;
  line-height: 1;
  padding-top: 4px;
}

.hiw-step__content h3 {
  font-size: 26px;
  font-weight: 700;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}

.hiw-step__content p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.7;
  margin-bottom: 16px;
}

.hiw-step__list {
  list-style: none;
  margin-top: 16px;
}

.hiw-step__list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 15px;
  color: var(--slate);
  padding: 6px 0;
}

.hiw-step__list li::before {
  content: '→';
  color: var(--lime);
  flex-shrink: 0;
  margin-top: 1px;
}

.hiw-note {
  display: inline-block;
  background: rgba(200, 255, 0, 0.08);
  border: 1px solid rgba(200, 255, 0, 0.2);
  border-radius: 6px;
  padding: 10px 16px;
  font-size: 14px;
  color: var(--lime);
  margin-top: 12px;
}

/* --- About Page --- */
.about-hero {
  padding: 120px 0 80px;
}

.about-hero .section-headline {
  font-size: clamp(40px, 5vw, 60px);
  max-width: 760px;
  margin-bottom: 32px;
}

.about-body {
  max-width: 680px;
}

.about-body p {
  font-size: 18px;
  line-height: 1.75;
  color: rgba(245, 245, 240, 0.8);
  margin-bottom: 24px;
}

.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  margin: 64px 0;
}

.stat-card {
  background: var(--midnight);
  padding: 40px 32px;
}

.stat-card__num {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 48px;
  font-weight: 700;
  color: var(--lime);
  letter-spacing: -2px;
  line-height: 1;
  margin-bottom: 8px;
}

.stat-card__label {
  font-size: 14px;
  color: var(--slate);
}

/* --- FAQ Page --- */
.faq-page {
  padding: 96px 0;
}

.faq-category {
  margin-bottom: 64px;
}

.faq-category__title {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--lime);
  margin-bottom: 8px;
}

/* --- Thank You Page --- */
.thanks-page {
  min-height: 80vh;
  display: flex;
  align-items: center;
  text-align: center;
  padding: 96px 0;
}

.thanks-icon {
  font-size: 64px;
  margin-bottom: 24px;
}

.thanks-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
  text-align: left;
}

.thanks-step {
  background: var(--navy);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 24px;
}

.thanks-step__num {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--lime);
  margin-bottom: 8px;
}

.thanks-step p {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.6;
}

/* --- Footer --- */
.footer {
  border-top: 1px solid var(--border);
  padding: 64px 0 40px;
}

.footer__inner {
  display: grid;
  grid-template-columns: 220px 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer__brand .nav__logo {
  margin-bottom: 16px;
  display: block;
}

.footer__tagline {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.6;
}

.footer__col-title {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 20px;
}

.footer__links {
  list-style: none;
}

.footer__links li {
  margin-bottom: 12px;
}

.footer__links a {
  font-size: 15px;
  color: var(--slate);
  transition: color 0.2s;
}

.footer__links a:hover {
  color: var(--white);
}

.footer__bottom {
  border-top: 1px solid var(--border);
  padding-top: 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.footer__copy {
  font-size: 13px;
  color: var(--slate);
}

.footer__legal {
  font-size: 13px;
  color: var(--slate);
  max-width: 600px;
  line-height: 1.6;
}

/* --- Nav Phone --- */
.nav__phone {
  font-size: 14px !important;
  font-weight: 600 !important;
  color: var(--white) !important;
}
.nav__phone:hover {
  color: var(--lime) !important;
}

/* --- Testimonial Funded Tag --- */
.testimonial__funded {
  display: inline-block;
  background: rgba(200, 255, 0, 0.12);
  color: var(--lime);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 14px;
}

/* 3-col testimonials */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

/* --- Wizard --- */
.wizard-header {
  padding: 48px 0 32px;
  border-bottom: 1px solid var(--border);
}

.wizard-progress {
  margin-top: 28px;
}

.wizard-progress__steps {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 12px;
}

.wizard-progress__step {
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
  transition: color 0.2s;
}

.wizard-progress__step.active {
  color: var(--white);
}

.wizard-progress__step.done {
  color: var(--lime);
}

.wizard-progress__divider {
  color: var(--slate);
  font-size: 13px;
}

.wizard-progress__bar {
  height: 4px;
  background: var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.wizard-progress__fill {
  height: 100%;
  background: var(--lime);
  border-radius: 4px;
  transition: width 0.4s ease;
}

.wizard-body {
  padding: 48px 0 96px;
}

.wizard-layout {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: start;
}

.wizard-step {
  display: none;
}

.wizard-step.active {
  display: block;
}

.wizard-step__inner {
  background: var(--navy);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 40px;
}

.wizard-step__label {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--lime);
  margin-bottom: 8px;
}

.wizard-step__title {
  font-size: 26px;
  letter-spacing: -0.5px;
  margin-bottom: 0;
}

.wizard-nav {
  margin-top: 32px;
}

.wizard-nav--split {
  display: flex;
  align-items: center;
  gap: 16px;
}

.wizard-nav__note {
  font-size: 13px;
  color: var(--slate);
  margin-top: 12px;
}

.wizard-error {
  font-size: 14px;
  color: #F87171;
  background: rgba(248, 113, 113, 0.1);
  border: 1px solid rgba(248, 113, 113, 0.2);
  border-radius: 6px;
  padding: 10px 14px;
  margin-bottom: 12px;
}

/* Tile picker */
.tile-group {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-top: 10px;
}

.tile-group--inline {
  grid-template-columns: repeat(auto-fill, minmax(130px, 1fr));
}

.tile {
  background: rgba(245, 245, 240, 0.04);
  border: 1px solid var(--border);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 500;
  padding: 14px 12px;
  border-radius: 8px;
  cursor: pointer;
  text-align: center;
  transition: border-color 0.15s, background 0.15s;
}

.tile:hover {
  border-color: rgba(245, 245, 240, 0.2);
  background: rgba(245, 245, 240, 0.07);
}

.tile.selected {
  border-color: var(--lime);
  background: rgba(200, 255, 0, 0.08);
  color: var(--lime);
  font-weight: 600;
}

input.error,
select.error {
  border-color: #F87171 !important;
}

/* --- Trust Badges --- */
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
  margin-bottom: 8px;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 500;
  color: var(--slate);
  background: rgba(245, 245, 240, 0.04);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 6px 12px;
}

/* Ghost button */
.btn--ghost {
  background: transparent;
  color: var(--slate);
  border: 1px solid var(--border);
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 500;
  padding: 14px 20px;
  border-radius: 8px;
  cursor: pointer;
  transition: color 0.2s, border-color 0.2s;
}

.btn--ghost:hover {
  color: var(--white);
  border-color: rgba(245, 245, 240, 0.2);
}

/* Sidebar cards */
.apply-sidebar {
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: sticky;
  top: 88px;
}

.sidebar-card {
  background: var(--navy);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 24px;
}

.sidebar-card__title {
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 14px;
}

.sidebar-trust-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.sidebar-trust-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: rgba(245, 245, 240, 0.85);
}

.sidebar-trust-list .check {
  color: var(--lime);
  font-weight: 700;
  flex-shrink: 0;
}

.sidebar-card--testimonial {
  background: rgba(13, 27, 42, 0.6);
}

/* --- Page Header (inner pages) --- */
.page-header {
  padding: 80px 0 64px;
  border-bottom: 1px solid var(--border);
}

.page-header__label {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--lime);
  margin-bottom: 16px;
}

.page-header h1 {
  font-size: clamp(36px, 5vw, 56px);
  letter-spacing: -1.5px;
  max-width: 640px;
}

.page-header p {
  font-size: 18px;
  color: var(--slate);
  max-width: 560px;
  margin-top: 16px;
  line-height: 1.65;
}

/* --- Divider --- */
.divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 0;
}

/* --- Responsive --- */
@media (max-width: 900px) {
  .hero__container {
    flex-direction: column;
    gap: 40px;
  }

  .hero__visual {
    display: none;
  }

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

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

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

  .apply-sidebar {
    position: static;
  }

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

  .apply-wrapper {
    grid-template-columns: 1fr;
  }

  .apply-sidebar {
    position: static;
  }

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

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

  .hiw-step {
    grid-template-columns: 60px 1fr;
    gap: 20px;
  }

  .thanks-steps {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 640px) {
  .nav__links {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: rgba(10, 10, 15, 0.98);
    border-bottom: 1px solid var(--border);
    padding: 16px 24px 24px;
    gap: 0;
  }

  .nav__links.nav--open {
    display: flex;
  }

  .nav__links li {
    width: 100%;
  }

  .nav__links a {
    display: block;
    padding: 12px 0;
    font-size: 17px;
    border-bottom: 1px solid var(--border);
  }

  .nav__links li:last-child a {
    border-bottom: none;
  }

  .nav__mobile-toggle {
    display: flex;
  }

  .nav__mobile-toggle.is-open span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }

  .nav__mobile-toggle.is-open span:nth-child(2) {
    opacity: 0;
  }

  .nav__mobile-toggle.is-open span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }

  .nav__mobile-toggle span {
    transition: transform 0.2s, opacity 0.2s;
  }

  .hero {
    padding: 80px 0 64px;
  }

  .trust-bar__items {
    gap: 20px;
  }

  .section {
    padding: 64px 0;
  }

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

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

  .wizard-step__inner {
    padding: 24px;
  }

  .wizard-nav--split {
    flex-direction: column-reverse;
    align-items: stretch;
  }

  .footer__inner {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer__bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .thanks-steps {
    grid-template-columns: 1fr;
  }

  .step {
    gap: 20px;
  }

  .steps::before {
    left: 27px;
  }
}

/* ─── STATS SECTION ─── */
.stats-section {
  padding: 32px 0;
  border-bottom: 1px solid var(--border);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  text-align: center;
  max-width: 900px;
  margin: 0 auto;
}

.stat-item {
  padding: 32px 24px;
  border-right: 1px solid var(--border);
}

.stat-item:last-child {
  border-right: none;
}

.stat-number {
  font-family: 'Space Grotesk', sans-serif;
  font-size: clamp(36px, 4.5vw, 60px);
  font-weight: 700;
  color: var(--lime);
  line-height: 1;
  margin-bottom: 12px;
  white-space: nowrap;
}

.stat-label {
  font-size: 15px;
  color: var(--slate);
  font-weight: 500;
}

@media (max-width: 768px) {
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .stat-item:nth-child(2) {
    border-right: none;
  }
  .stat-item:nth-child(1),
  .stat-item:nth-child(2) {
    border-bottom: 1px solid var(--border);
  }
}

/* ─── PRODUCTS SECTION ─── */
.products-section {
  background: var(--midnight);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.product-card {
  background: rgba(245, 245, 240, 0.04);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: border-color 0.2s, transform 0.2s;
}

.product-card:hover {
  border-color: rgba(200, 255, 0, 0.3);
  transform: translateY(-4px);
}

.product-card__icon {
  font-size: 28px;
  line-height: 1;
}

.product-card__title {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 20px;
  font-weight: 600;
  color: var(--white);
  margin: 0;
}

.product-card__body {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.65;
  flex: 1;
  margin: 0;
}

.product-card__link {
  color: var(--lime);
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  letter-spacing: 0.02em;
  margin-top: auto;
}

.product-card__link:hover {
  text-decoration: underline;
}

@media (max-width: 1024px) {
  .products-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .products-grid {
    grid-template-columns: 1fr;
  }
}

/* ─── VS BANKS TABLE ─── */
.vs-section {
  background: var(--navy);
}

.vs-table-wrap {
  overflow-x: auto;
  margin-top: 48px;
  border-radius: 16px;
  border: 1px solid var(--border);
}

.vs-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
  min-width: 560px;
}

.vs-table thead tr {
  background: rgba(245, 245, 240, 0.06);
}

.vs-table th {
  padding: 18px 24px;
  text-align: left;
  font-family: 'Space Grotesk', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--slate);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-bottom: 1px solid var(--border);
}

.vs-table__feature { width: 30%; }
.vs-table__uncap   { width: 35%; }
.vs-table__bank    { width: 35%; }

.vs-table td {
  padding: 16px 24px;
  border-bottom: 1px solid var(--border);
  color: var(--white);
  vertical-align: middle;
}

.vs-table tbody tr:last-child td {
  border-bottom: none;
}

.vs-table tbody tr:hover td {
  background: rgba(245, 245, 240, 0.02);
}

.vs-good {
  color: #22C55E;
  font-weight: 500;
}

.vs-bad {
  color: var(--slate);
}

.vs-check {
  margin-right: 6px;
  font-weight: 700;
  color: var(--lime);
}

.uncap-badge {
  display: inline-block;
  background: var(--lime);
  color: #000;
  padding: 2px 10px;
  border-radius: 4px;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.04em;
}

/* ─── ELIGIBILITY WIDGET ─── */
.elig-section {
  background: linear-gradient(135deg, rgba(200,255,0,0.06) 0%, rgba(13,27,42,0.8) 100%);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.elig-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.elig-copy h2 {
  font-family: 'Space Grotesk', sans-serif;
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.15;
}

.elig-copy p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.7;
}

.elig-list {
  margin-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  list-style: none;
  padding: 0;
}

.elig-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--white);
}

.elig-list li::before {
  content: '✓';
  color: var(--lime);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

.elig-card {
  background: rgba(245, 245, 240, 0.04);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 40px 36px;
}

.elig-card h3 {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 20px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 24px;
}

.elig-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.elig-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.elig-field label {
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.elig-field select,
.elig-field input {
  background: rgba(245,245,240,0.06);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 16px;
  color: var(--white);
  font-size: 15px;
  font-family: 'Inter', sans-serif;
  width: 100%;
  appearance: none;
}

.elig-field select option {
  background: #1a1a2e;
  color: var(--white);
}

.elig-btn {
  background: var(--lime);
  color: #000;
  border: none;
  border-radius: 10px;
  padding: 14px 24px;
  font-family: 'Space Grotesk', sans-serif;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  width: 100%;
  margin-top: 8px;
  transition: opacity 0.2s;
}

.elig-btn:hover { opacity: 0.88; }

.elig-fine {
  font-size: 12px;
  color: var(--slate);
  text-align: center;
  margin-top: 8px;
}

@media (max-width: 900px) {
  .elig-wrap {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

/* ─── FOUNDER / HUMAN SECTION ─── */
.founder-section {
  background: var(--midnight);
}

.founder-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.founder-img-wrap {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  aspect-ratio: 4/5;
  background: linear-gradient(160deg, rgba(200,255,0,0.06) 0%, rgba(245,245,240,0.03) 60%, rgba(10,10,15,0.4) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}

.founder-img-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 20px;
  border: 1px solid rgba(200,255,0,0.12);
  pointer-events: none;
}

.founder-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.founder-copy blockquote {
  font-family: 'Space Grotesk', sans-serif;
  font-size: clamp(20px, 2.5vw, 30px);
  font-weight: 600;
  color: var(--white);
  line-height: 1.4;
  margin: 0 0 32px;
  font-style: normal;
}

.founder-copy blockquote span {
  color: var(--lime);
}

.founder-copy p {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.7;
  margin-bottom: 32px;
}

.founder-sig {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.founder-sig strong {
  color: var(--white);
  font-size: 16px;
  font-weight: 600;
}

.founder-sig span {
  color: var(--slate);
  font-size: 14px;
}

@media (max-width: 900px) {
  .founder-wrap {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .founder-img-wrap {
    aspect-ratio: 16/9;
    max-height: 320px;
  }
}

.stat-suffix {
  font-size: 0.55em;
  font-weight: 600;
  letter-spacing: 0.02em;
  margin-left: 3px;
  vertical-align: baseline;
}