/* =============================================
   MOOLAH MOOSE — styles.css
   Mobile-first, CSS3 only
   ============================================= */

/* --- Google Fonts (loaded via HTML link) --- */

/* --- Design Tokens --- */
:root {
    /* Green scale */
    --green-900: #0d2b16;
    --green-800: #1a4d2e;
    --green-700: #245f38;
    --green-600: #2d7344;
    --green-500: #388753;
    --green-400: #52a06a;
    --green-300: #7bbf90;
    --green-200: #b4d9c1;
    --green-100: #d8eede;
    --green-50:  #f0f8f2;

    /* Gold scale */
    --gold-800: #7a5000;
    --gold-700: #9c6600;
    --gold-600: #b87c00;
    --gold-500: #d4a017;
    --gold-400: #e0b83a;
    --gold-300: #ebcc72;
    --gold-200: #f3dfab;
    --gold-100: #f9eecc;
    --gold-50:  #fdf8ee;

    /* Neutrals */
    --cream:       #faf7f0;
    --cream-dark:  #ede8dc;
    --cream-mid:   #f4f0e6;
    --text-900:    #1a1a1a;
    --text-700:    #3a3a3a;
    --text-500:    #606060;
    --text-300:    #999;
    --white:       #ffffff;
    --error:       #c0392b;
    --error-bg:    #fdf0ef;
    --success:     #27ae60;

    /* Spacing (8px grid) */
    --sp-1: 8px;
    --sp-2: 16px;
    --sp-3: 24px;
    --sp-4: 32px;
    --sp-5: 40px;
    --sp-6: 48px;
    --sp-8: 64px;
    --sp-10: 80px;

    /* Border radius */
    --r-sm: 8px;
    --r-md: 16px;
    --r-lg: 24px;
    --r-xl: 32px;
    --r-full: 9999px;

    /* Shadows */
    --shadow-sm: 0 2px 8px rgba(0,0,0,0.07);
    --shadow-md: 0 4px 20px rgba(0,0,0,0.11);
    --shadow-lg: 0 8px 40px rgba(0,0,0,0.14);
    --shadow-xl: 0 16px 60px rgba(0,0,0,0.18);

    /* Transitions */
    --t-fast: 150ms ease;
    --t-base: 250ms ease;
    --t-slow: 400ms ease;

    /* Max widths */
    --max-content: 1120px;
    --max-form: 640px;
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    font-family: 'Nunito', system-ui, sans-serif;
    background: var(--cream);
    color: var(--text-900);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: inherit; }
input, select, textarea { font-family: inherit; }
ul { list-style: none; }
fieldset { border: none; }

/* --- Typography --- */
h1, h2, h3, h4 {
    font-family: 'Fredoka One', 'Nunito', system-ui, sans-serif;
    line-height: 1.2;
    color: var(--text-900);
}
h1 { font-size: clamp(2rem, 6vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); }
h4 { font-size: 1.1rem; font-weight: 700; }
p  { line-height: 1.7; color: var(--text-700); }

/* --- Utilities --- */
.container {
    width: 100%;
    max-width: var(--max-content);
    margin-inline: auto;
    padding-inline: var(--sp-2);
}
@media (min-width: 640px)  { .container { padding-inline: var(--sp-3); } }
@media (min-width: 1024px) { .container { padding-inline: var(--sp-4); } }

.sr-only {
    position: absolute; width: 1px; height: 1px;
    overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap;
}
.text-center { text-align: center; }
.text-green   { color: var(--green-800); }
.text-gold    { color: var(--gold-500); }

/* --- Skip link --- */
.skip-link {
    position: absolute; top: -100%; left: var(--sp-2);
    background: var(--green-800); color: var(--white);
    padding: var(--sp-1) var(--sp-2); border-radius: var(--r-sm);
    z-index: 999; transition: top var(--t-fast);
}
.skip-link:focus { top: var(--sp-2); }

/* =============================================
   HEADER / NAV
   ============================================= */
.site-header {
    position: static;
    background: var(--green-800);
    box-shadow: 0 2px 12px rgba(0,0,0,0.2);
}
.site-header .container {
    max-width: calc(var(--max-content) * 0.5);
    margin-inline: 0;
}
.nav-inner {
    display: flex; align-items: center; justify-content: space-between;
    padding-block: var(--sp-2);
}
.logo {
    display: flex; align-items: center; gap: var(--sp-1);
    text-decoration: none;
}
.logo-mark {
    width: 44px; height: 44px; flex-shrink: 0;
}
.logo-text {
    font-family: 'Fredoka One', sans-serif;
    font-size: 1.5rem;
    color: var(--gold-300);
    line-height: 1;
}
.logo-text span {
    display: block;
    font-family: 'Nunito', sans-serif;
    font-size: 0.65rem;
    font-weight: 600;
    color: var(--green-200);
    letter-spacing: 0.05em;
    text-transform: uppercase;
}
.nav-links {
    display: none;
    gap: var(--sp-3);
    align-items: center;
}
@media (min-width: 768px) { .nav-links { display: flex; } }
.nav-links a {
    color: var(--green-100);
    font-weight: 600;
    font-size: 0.9rem;
    transition: color var(--t-fast);
}
.nav-links a:hover { color: var(--gold-300); }
.nav-cta {
    background: var(--gold-500);
    color: var(--green-900) !important;
    padding: var(--sp-1) var(--sp-2);
    border-radius: var(--r-full);
    font-weight: 700 !important;
    transition: background var(--t-fast), transform var(--t-fast) !important;
}
.nav-cta:hover {
    background: var(--gold-300) !important;
    transform: translateY(-1px);
}
.nav-toggle {
    display: flex; flex-direction: column; gap: 5px;
    background: none; border: none; padding: var(--sp-1);
}
@media (min-width: 768px) { .nav-toggle { display: none; } }
.nav-toggle span {
    display: block; width: 24px; height: 2px;
    background: var(--green-100); border-radius: 2px;
    transition: transform var(--t-base), opacity var(--t-base);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}
.nav-toggle[aria-expanded="true"] span:nth-child(2) {
    opacity: 0;
}
.nav-toggle[aria-expanded="true"] span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}
.nav-mobile {
    display: none;
    flex-direction: column;
    background: var(--green-900);
    padding: var(--sp-3) var(--sp-2);
    gap: var(--sp-2);
}
.nav-mobile.open { display: flex; }
.nav-mobile a {
    color: var(--green-100);
    font-weight: 600;
    padding: var(--sp-1) 0;
    border-bottom: 1px solid var(--green-700);
}
.nav-mobile a:last-child { border-bottom: none; }

/* =============================================
   BUTTONS
   ============================================= */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 14px 28px;
    border-radius: var(--r-full);
    font-family: 'Nunito', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    line-height: 1;
    border: 2px solid transparent;
    transition: background var(--t-fast), color var(--t-fast),
    transform var(--t-fast), box-shadow var(--t-fast);
    white-space: nowrap;
    min-height: 52px;
}
.btn:focus-visible {
    outline: 3px solid var(--gold-400);
    outline-offset: 3px;
}
.btn-primary {
    background: var(--gold-500);
    color: var(--green-900);
}
.btn-primary:hover:not(:disabled) {
    background: var(--gold-400);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(212,160,23,0.4);
}
.btn-primary:active { transform: translateY(0); }
.btn-secondary {
    background: transparent;
    border-color: var(--green-800);
    color: var(--green-800);
}
.btn-secondary:hover:not(:disabled) {
    background: var(--green-50);
    transform: translateY(-1px);
}
.btn-ghost {
    background: transparent;
    color: var(--text-500);
    border-color: transparent;
    padding: 12px 20px;
}
.btn-ghost:hover { color: var(--green-800); background: var(--green-50); }
.btn-lg { padding: 18px 40px; font-size: 1.125rem; min-height: 60px; }
.btn-sm { padding: 10px 20px; font-size: 0.875rem; min-height: 40px; }
.btn-full { width: 100%; }
.btn:disabled { opacity: 0.5; cursor: not-allowed; }

/* =============================================
   HERO
   ============================================= */
.hero {
    background: linear-gradient(160deg, var(--green-900) 0%, var(--green-800) 50%, var(--green-700) 100%);
    position: relative;
    overflow: hidden;
    padding-block: var(--sp-6) var(--sp-8);
}
.hero::before {
    content: '';
    position: absolute; inset: 0;
    background-image:
            radial-gradient(circle at 10% 90%, rgba(212,160,23,0.08) 0%, transparent 50%),
            radial-gradient(circle at 90% 10%, rgba(52,160,106,0.1) 0%, transparent 50%);
    pointer-events: none;
}
.hero-mountains {
    position: absolute; bottom: 0; left: 0; right: 0;
    height: 120px; pointer-events: none;
}

/* Two-column hero split */
.hero-split {
    position: relative; z-index: 1;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--sp-4);
    align-items: center;
}
@media (min-width: 900px) {
    .hero-split {
        grid-template-columns: 5fr 7fr;
        gap: var(--sp-6);
        align-items: flex-start;
    }
}

/* Left: headline + mascot */
.hero-left {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: var(--sp-2);
    order: 2;
}
@media (min-width: 900px) { .hero-left { order: 0; } }
.hero-left .hero-headline {
    color: var(--white);
    text-shadow: 0 2px 12px rgba(0,0,0,0.2);
}
.hero-left .hero-headline em {
    font-style: normal;
    color: var(--gold-300);
}
.hero-left svg {
    width: 220px; height: auto;
    filter: drop-shadow(0 12px 32px rgba(0,0,0,0.35));
}
@media (min-width: 480px) { .hero-left svg { width: 260px; } }
@media (min-width: 900px) { .hero-left svg { width: 100%; max-width: 320px; height: auto; } }

/* Right: subtext + form */
.hero-right {
    order: 1;
    display: flex;
    flex-direction: column;
    gap: var(--sp-2);
}
@media (min-width: 900px) { .hero-right { order: 0; } }
.hero-subtext {
    color: var(--green-100);
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: 0;
}
.hero-trust {
    font-size: 0.78rem;
    color: var(--green-300);
    font-style: italic;
    margin-bottom: var(--sp-1);
}

/* ── Inline form card ── */
.inline-form-card {
    background: var(--cream);
    border-radius: var(--r-xl);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}
.inline-form-card .form-progress {
    background: var(--green-900);
    padding: var(--sp-2) var(--sp-3);
}
.inline-form-card .form-body {
    padding: var(--sp-3);
}
@media (min-width: 480px) { .inline-form-card .form-body { padding: var(--sp-3) var(--sp-4); } }

/* XL question heading for step 1 */
.step-question-xl {
    font-size: clamp(1.6rem, 4vw, 2.1rem) !important;
    color: var(--green-900);
    margin-bottom: var(--sp-3) !important;
}

/* =============================================
   FORM (INLINE)
   ============================================= */

/* Progress */
.form-progress {
    background: var(--green-900);
    padding: var(--sp-2) var(--sp-3);
}
.progress-meta {
    display: flex; justify-content: space-between; align-items: center;
    margin-bottom: var(--sp-1);
}
.progress-label {
    color: var(--green-200);
    font-size: 0.78rem;
    font-weight: 600;
}
.progress-count {
    color: var(--gold-300);
    font-size: 0.78rem;
    font-weight: 700;
}
.progress-bar-track {
    height: 6px;
    background: var(--green-700);
    border-radius: var(--r-full);
    overflow: hidden;
}
.progress-bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
    border-radius: var(--r-full);
    transition: width var(--t-slow);
    width: 0%;
}

/* Form body */
.form-body { padding: var(--sp-3); }
@media (min-width: 480px) { .form-body { padding: var(--sp-4); } }

/* Steps */
.form-step { display: none; animation: fadeSlide 0.3s ease; }
.form-step.active { display: block; }
@keyframes fadeSlide {
    from { opacity: 0; transform: translateX(24px); }
    to   { opacity: 1; transform: translateX(0); }
}
.form-step.back-anim { animation: fadeSlideBack 0.3s ease; }
@keyframes fadeSlideBack {
    from { opacity: 0; transform: translateX(-24px); }
    to   { opacity: 1; transform: translateX(0); }
}

.step-question {
    font-family: 'Fredoka One', sans-serif;
    font-size: 1.35rem;
    color: var(--green-900);
    margin-bottom: var(--sp-1);
    line-height: 1.3;
}
.step-helper {
    font-size: 0.85rem;
    color: var(--text-500);
    margin-bottom: var(--sp-3);
    font-style: italic;
}
.step-subheading {
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--text-500);
    margin-top: var(--sp-3);
    margin-bottom: var(--sp-1);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* Radio / Option cards */
.option-grid {
    display: grid;
    gap: var(--sp-1);
    margin-bottom: var(--sp-3);
}
.option-grid-2 { grid-template-columns: 1fr 1fr; }
@media (min-width: 480px) {
    .option-grid-3 { grid-template-columns: 1fr 1fr 1fr; }
}
.option-card input[type="radio"] { position: absolute; opacity: 0; width: 0; height: 0; }
.option-card label {
    display: flex; align-items: center; gap: var(--sp-1);
    background: var(--white);
    border: 2px solid var(--cream-dark);
    border-radius: var(--r-md);
    padding: 14px var(--sp-2);
    cursor: pointer;
    font-weight: 600;
    font-size: 0.95rem;
    color: var(--text-700);
    transition: border-color var(--t-fast), background var(--t-fast), transform var(--t-fast);
    min-height: 52px;
    line-height: 1.3;
}
.option-card label:hover {
    border-color: var(--green-400);
    background: var(--green-50);
    transform: translateY(-1px);
}
.option-card input[type="radio"]:checked + label {
    border-color: var(--green-600);
    background: var(--green-50);
    color: var(--green-900);
}
.option-card input[type="radio"]:checked + label::after {
    content: '';
    width: 20px; height: 20px;
    border-radius: 50%;
    background: var(--green-600);
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='white' d='M7 10l2 2 4-4' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' fill='none'/%3E%3C/svg%3E");
    background-size: cover;
    margin-left: auto;
    flex-shrink: 0;
}
.option-card input[type="radio"]:focus-visible + label {
    outline: 3px solid var(--gold-400);
    outline-offset: 2px;
}
/* Amount cards with large text */
.amount-card label {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: var(--sp-2);
    gap: 4px;
}
.amount-card .amount-value {
    font-family: 'Fredoka One', sans-serif;
    font-size: 1rem;
    color: var(--green-800);
}
.amount-card input[type="radio"]:checked + label .amount-value { color: var(--green-700); }
.amount-card input[type="radio"]:checked + label::after { display: none; }
.amount-card input[type="radio"]:checked + label {
    background: var(--green-800);
    border-color: var(--green-800);
    color: var(--white);
}
.amount-card input[type="radio"]:checked + label .amount-value { color: var(--gold-300); }

/* Form fields */
.field-group { margin-bottom: var(--sp-3); }
.field-label {
    display: block;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--text-700);
    margin-bottom: 6px;
}
.field-label .optional {
    font-weight: 400;
    color: var(--text-300);
    font-size: 0.8rem;
}
.field-input {
    width: 100%;
    padding: 13px var(--sp-2);
    border: 2px solid var(--cream-dark);
    border-radius: var(--r-md);
    font-size: 1rem;
    font-family: 'Nunito', sans-serif;
    color: var(--text-900);
    background: var(--white);
    transition: border-color var(--t-fast), box-shadow var(--t-fast);
    min-height: 52px;
    appearance: none;
    -webkit-appearance: none;
}
.field-input:focus {
    outline: none;
    border-color: var(--green-500);
    box-shadow: 0 0 0 3px rgba(56,135,83,0.15);
}
.field-input.error { border-color: var(--error); }
.field-input.error:focus { box-shadow: 0 0 0 3px rgba(192,57,43,0.15); }
select.field-input {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%23606060'%3E%3Cpath fill-rule='evenodd' d='M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    background-size: 20px;
    padding-right: 40px;
}
.field-error {
    display: none;
    color: var(--error);
    font-size: 0.8rem;
    font-weight: 600;
    margin-top: 5px;
}
.field-error.visible { display: block; }

/* Two-column field row */
.field-row {
    display: grid;
    gap: var(--sp-2);
}
@media (min-width: 420px) { .field-row-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 420px) { .field-row-3 { grid-template-columns: 2fr 1fr 1fr; } }

/* Conditional field blocks */
.conditional-block {
    display: none;
    background: var(--green-50);
    border: 1px solid var(--green-200);
    border-radius: var(--r-md);
    padding: var(--sp-3);
    margin-top: var(--sp-2);
    margin-bottom: var(--sp-3);
}
.conditional-block.visible { display: block; }

/* Form nav */
.form-nav {
    display: flex;
    gap: var(--sp-2);
    align-items: center;
    padding-top: var(--sp-3);
    border-top: 1px solid var(--cream-dark);
    margin-top: var(--sp-3);
}
.form-nav .btn-back { margin-right: auto; }

/* Review screen */
.review-section {
    background: var(--white);
    border: 1px solid var(--cream-dark);
    border-radius: var(--r-md);
    margin-bottom: var(--sp-2);
    overflow: hidden;
}
.review-section-header {
    display: flex; align-items: center; justify-content: space-between;
    padding: var(--sp-2) var(--sp-2);
    background: var(--green-50);
    border-bottom: 1px solid var(--cream-dark);
}
.review-section-title {
    font-family: 'Fredoka One', sans-serif;
    font-size: 1rem;
    color: var(--green-800);
}
.review-edit {
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--green-600);
    text-decoration: underline;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px 8px;
    border-radius: var(--r-sm);
    transition: background var(--t-fast);
}
.review-edit:hover { background: var(--green-100); }
.review-edit:focus-visible { outline: 3px solid var(--gold-400); outline-offset: 2px; }
.review-fields {
    padding: var(--sp-2);
    display: grid;
    gap: var(--sp-1);
}
.review-field {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sp-1);
    padding: 6px 0;
    border-bottom: 1px solid var(--cream-mid);
    font-size: 0.875rem;
}
.review-field:last-child { border-bottom: none; }
.review-field dt { color: var(--text-500); font-weight: 600; }
.review-field dd { color: var(--text-900); font-weight: 700; word-break: break-word; }

/* Credit check banner (step 4) */
.credit-check-banner {
    display: block;
    background: var(--gold-50);
    border: 1px solid var(--gold-300);
    border-radius: var(--r-md);
    padding: var(--sp-2) var(--sp-2);
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--gold-800);
    line-height: 1.6;
    margin-bottom: var(--sp-3);
    text-decoration: none;
    transition: background var(--t-fast), color var(--t-fast), border-color var(--t-fast);
}
.credit-check-banner:hover {
    background: var(--gold-100);
    border-color: var(--gold-500);
    color: var(--gold-900, #5a3a00);
    text-decoration: underline;
}
.credit-check-banner strong { font-weight: 800; }

/* Consent block */
.consent-disclosure {
    background: var(--gold-50);
    border: 1px solid var(--gold-200);
    border-radius: var(--r-md);
    padding: var(--sp-2);
    font-size: 0.8rem;
    color: var(--text-700);
    line-height: 1.6;
    margin-bottom: var(--sp-3);
}
.consent-check {
    display: flex; align-items: flex-start; gap: var(--sp-1);
    margin-bottom: var(--sp-3);
}
.consent-check input[type="checkbox"] {
    width: 20px; height: 20px; flex-shrink: 0; margin-top: 2px;
    accent-color: var(--green-700);
    cursor: pointer;
}
.consent-check label {
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-700);
    cursor: pointer;
    line-height: 1.5;
}
.main-disclosure {
    background: var(--cream-mid);
    border-radius: var(--r-sm);
    padding: var(--sp-2);
    font-size: 0.75rem;
    color: var(--text-500);
    line-height: 1.6;
    margin-bottom: var(--sp-3);
}

/* =============================================
   HOMEPAGE SECTIONS
   ============================================= */

/* Section wrapper */
.section { padding-block: var(--sp-8); }
.section-alt { background: var(--green-50); }
.section-dark {
    background: var(--green-800);
    color: var(--white);
}
.section-eyebrow {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold-600);
    margin-bottom: var(--sp-1);
}
.section-dark .section-eyebrow { color: var(--gold-300); }
.section-title {
    margin-bottom: var(--sp-2);
}
.section-dark .section-title { color: var(--white); }
.section-subtitle {
    max-width: 580px;
    font-size: 1.05rem;
    margin-bottom: var(--sp-6);
}
.section-center {
    text-align: center;
}
.section-center .section-subtitle { margin-inline: auto; }

/* How It Works */
.steps-grid {
    display: grid;
    gap: var(--sp-4);
}
@media (min-width: 640px) { .steps-grid { grid-template-columns: repeat(3, 1fr); } }
.step-card {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: var(--sp-2);
}
@media (min-width: 640px) { .step-card { align-items: center; text-align: center; } }
.step-number {
    width: 56px; height: 56px;
    background: var(--green-800);
    color: var(--gold-300);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-family: 'Fredoka One', sans-serif;
    font-size: 1.5rem;
    flex-shrink: 0;
    box-shadow: var(--shadow-md);
}
.step-card h3 { font-size: 1.2rem; color: var(--green-900); }
.step-card p { font-size: 0.95rem; }
.step-connector {
    display: none;
}
@media (min-width: 640px) {
    .steps-grid-wrapper {
        position: relative;
    }
    .step-connector {
        display: block;
        position: absolute;
        top: 28px;
        height: 2px;
        background: linear-gradient(90deg, var(--green-200), var(--gold-200));
        z-index: 0;
    }
    .step-card { position: relative; z-index: 1; }
}

/* Benefits */
.benefits-grid {
    display: grid;
    gap: var(--sp-3);
}
@media (min-width: 480px) { .benefits-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 768px) { .benefits-grid { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 480px) { .benefits-grid-2 { grid-template-columns: 1fr 1fr; } }
.benefit-card {
    background: var(--white);
    border-radius: var(--r-lg);
    padding: var(--sp-3);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--cream-dark);
    transition: transform var(--t-base), box-shadow var(--t-base);
}
.benefit-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}
.benefit-icon {
    width: 48px; height: 48px;
    background: var(--green-100);
    border-radius: var(--r-md);
    display: flex; align-items: center; justify-content: center;
    margin-bottom: var(--sp-2);
    font-size: 1.5rem;
}
.benefit-card h4 { font-size: 1rem; margin-bottom: 6px; color: var(--green-900); }
.benefit-card p  { font-size: 0.88rem; }

/* Loan Uses */
.uses-grid {
    display: grid;
    gap: var(--sp-2);
    grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 480px) { .uses-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 768px) { .uses-grid { grid-template-columns: repeat(4, 1fr); } }
.use-card {
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.14);
    border-radius: var(--r-md);
    padding: var(--sp-2) var(--sp-2);
    text-align: center;
    transition: background var(--t-fast), transform var(--t-fast);
    cursor: default;
}
.use-card:hover {
    background: rgba(255,255,255,0.14);
    transform: translateY(-2px);
}
.use-icon { font-size: 1.75rem; margin-bottom: 8px; }
.use-card span {
    display: block;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--green-100);
}

/* FAQ */
.faq-list { display: flex; flex-direction: column; gap: var(--sp-2); max-width: 760px; margin-inline: auto; }
.faq-item {
    background: var(--white);
    border: 1px solid var(--cream-dark);
    border-radius: var(--r-md);
    overflow: hidden;
}
.faq-question {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: var(--sp-3);
    font-family: 'Nunito', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    color: var(--green-900);
    display: flex; justify-content: space-between; align-items: center;
    gap: var(--sp-2);
    cursor: pointer;
    min-height: 56px;
    transition: background var(--t-fast);
}
.faq-question:hover { background: var(--green-50); }
.faq-question:focus-visible { outline: 3px solid var(--gold-400); outline-offset: -3px; }
.faq-chevron {
    width: 24px; height: 24px; flex-shrink: 0;
    transition: transform var(--t-base);
    color: var(--green-500);
}
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-answer {
    display: none;
    padding: 0 var(--sp-3) var(--sp-3);
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--text-700);
}
.faq-item.open .faq-answer { display: block; }

/* =============================================
   FOOTER
   ============================================= */
.site-footer {
    background: var(--green-900);
    color: var(--green-200);
    padding-block: var(--sp-6) var(--sp-4);
}
.footer-grid {
    display: grid;
    gap: var(--sp-4);
    margin-bottom: var(--sp-5);
}
@media (min-width: 640px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr; } }
.footer-brand {}
.footer-logo {
    display: flex; align-items: center; gap: 10px;
    margin-bottom: var(--sp-2);
}
.footer-logo svg { width: 36px; height: 36px; }
.footer-logo-text {
    font-family: 'Fredoka One', sans-serif;
    font-size: 1.25rem;
    color: var(--gold-300);
}
.footer-tagline {
    font-size: 0.88rem;
    font-style: italic;
    color: var(--green-300);
    margin-bottom: var(--sp-2);
}
.footer-col h5 {
    font-family: 'Fredoka One', sans-serif;
    font-size: 0.95rem;
    color: var(--gold-300);
    margin-bottom: var(--sp-2);
    letter-spacing: 0.03em;
}
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a {
    color: var(--green-300);
    font-size: 0.88rem;
    font-weight: 600;
    transition: color var(--t-fast);
}
.footer-links a:hover { color: var(--gold-300); }
.footer-links a:focus-visible { outline: 2px solid var(--gold-400); outline-offset: 2px; }
.footer-divider {
    border: none;
    border-top: 1px solid var(--green-700);
    margin-bottom: var(--sp-3);
}
.footer-disclosure {
    font-size: 0.72rem;
    color: var(--green-100);
    line-height: 1.7;
    margin-bottom: var(--sp-3);
}
.footer-bottom {
    display: flex; flex-wrap: wrap; gap: var(--sp-1);
    justify-content: space-between; align-items: center;
}
.footer-copy {
    font-size: 0.78rem;
    color: var(--green-500);
}
.footer-legal-links {
    display: flex; gap: var(--sp-2); flex-wrap: wrap;
}
.footer-legal-links a {
    font-size: 0.78rem;
    color: var(--green-400);
    transition: color var(--t-fast);
}
.footer-legal-links a:hover { color: var(--gold-300); }

/* =============================================
   LEGAL PAGES
   ============================================= */
.legal-hero {
    background: var(--green-800);
    padding-block: var(--sp-8);
    text-align: center;
}
.legal-hero h1 { color: var(--white); font-size: clamp(1.75rem, 5vw, 2.5rem); }
.legal-hero p { color: var(--green-200); margin-top: var(--sp-1); }
.legal-content {
    max-width: 760px;
    margin-inline: auto;
    padding: var(--sp-6) var(--sp-2);
}
@media (min-width: 640px) { .legal-content { padding: var(--sp-8) var(--sp-3); } }
.legal-content h2 {
    font-size: 1.4rem;
    color: var(--green-800);
    margin-top: var(--sp-5);
    margin-bottom: var(--sp-2);
}
.legal-content p,
.legal-content li {
    font-size: 0.95rem;
    line-height: 1.8;
    color: var(--text-700);
    margin-bottom: var(--sp-2);
}
.legal-content ul { padding-left: var(--sp-3); list-style: disc; }
.legal-content li { padding-left: 8px; }
.legal-content a { color: var(--green-700); text-decoration: underline; }

/* Contact page */
.contact-grid {
    display: grid;
    gap: var(--sp-4);
    max-width: 860px;
    margin-inline: auto;
    padding: var(--sp-6) var(--sp-2);
}
@media (min-width: 640px) { .contact-grid { grid-template-columns: 1fr 1fr; } }
.contact-info { display: flex; flex-direction: column; gap: var(--sp-3); }
.contact-item {
    display: flex; gap: var(--sp-2); align-items: flex-start;
}
.contact-item-icon {
    width: 44px; height: 44px; flex-shrink: 0;
    background: var(--green-100);
    border-radius: var(--r-md);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.25rem;
}
.contact-item h4 { font-size: 0.9rem; color: var(--green-900); margin-bottom: 4px; }
.contact-item p  { font-size: 0.88rem; }
.contact-form-wrapper {
    background: var(--white);
    border-radius: var(--r-lg);
    padding: var(--sp-4);
    box-shadow: var(--shadow-md);
}
.contact-form-wrapper h3 {
    font-size: 1.25rem;
    margin-bottom: var(--sp-3);
    color: var(--green-900);
}

/* =============================================
   RESPONSIVE HELPERS
   ============================================= */
@media (max-width: 479px) {
    .btn-lg { padding: 16px 28px; font-size: 1rem; }
    .field-row-2 { grid-template-columns: 1fr; }
    .field-row-3 { grid-template-columns: 1fr; }
}

/* Focus styles for accessibility */
:focus-visible {
    outline: 3px solid var(--gold-500);
    outline-offset: 2px;
}

/* Animations */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        transition-duration: 0.01ms !important;
    }
}

/* =============================================
   SUBMISSION LIGHTBOX
   ============================================= */
.lightbox-overlay {
    position: fixed;
    inset: 0;
    z-index: 1000;
    background: rgba(13, 43, 22, 0.82);
    backdrop-filter: blur(4px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: var(--sp-3);
    animation: lightboxFadeIn 0.35s ease forwards;
}
.lightbox-overlay[hidden] { display: none; }
@keyframes lightboxFadeIn {
    from { opacity: 0; }
    to   { opacity: 1; }
}
.lightbox-panel {
    background: var(--white);
    border-radius: var(--r-xl);
    box-shadow: var(--shadow-xl);
    padding: var(--sp-5) var(--sp-4);
    max-width: 480px;
    width: 100%;
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--sp-3);
    animation: lightboxSlideUp 0.35s ease forwards;
}
@keyframes lightboxSlideUp {
    from { opacity: 0; transform: translateY(24px); }
    to   { opacity: 1; transform: translateY(0); }
}
.lightbox-spinner {
    width: 72px;
    height: 72px;
}
.lightbox-spinner svg {
    width: 72px;
    height: 72px;
    animation: spinnerRotate 1.1s linear infinite;
}
@keyframes spinnerRotate {
    to { transform: rotate(360deg); }
}
.lightbox-title {
    font-family: 'Fredoka One', sans-serif;
    font-size: clamp(1.3rem, 4vw, 1.75rem);
    color: var(--green-900);
    line-height: 1.25;
}
.lightbox-message {
    font-size: 1rem;
    color: var(--text-700);
    line-height: 1.7;
    margin: 0;
}
.lightbox-warning {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--gold-700);
    background: var(--gold-50);
    border: 1px solid var(--gold-200);
    border-radius: var(--r-md);
    padding: var(--sp-2) var(--sp-2);
    width: 100%;
    margin: 0;
}

/* =============================================
   CREDIT CHECK INTERSTITIAL PAGE
   ============================================= */
.interstitial-page {
    background: linear-gradient(160deg, var(--green-900) 0%, var(--green-800) 60%, var(--green-700) 100%);
    min-height: 100vh;
}
.interstitial-main {
    padding-block: var(--sp-8) var(--sp-10);
}
.interstitial-card {
    max-width: 560px;
    margin-inline: auto;
    background: var(--white);
    border-radius: var(--r-xl);
    box-shadow: 0 24px 64px rgba(0,0,0,0.35);
    padding: var(--sp-5) var(--sp-4);
    text-align: center;
    position: relative;
}
@media (max-width: 600px) {
    .interstitial-card { padding: var(--sp-4) var(--sp-2); }
}

/* Stop badge */
.interstitial-stop-badge {
    display: flex;
    justify-content: center;
    margin-bottom: var(--sp-2);
    animation: interstitial-drop-in 0.5s cubic-bezier(0.34,1.56,0.64,1) both;
}
.interstitial-stop-badge svg {
    width: 80px;
    height: 80px;
    drop-shadow: 0 4px 12px rgba(192,57,43,0.5);
    filter: drop-shadow(0 4px 12px rgba(192,57,43,0.45));
}
@keyframes interstitial-drop-in {
    from { transform: translateY(-24px) scale(0.7); opacity: 0; }
    to   { transform: translateY(0) scale(1); opacity: 1; }
}

/* Headline */
.interstitial-headline-block {
    margin-bottom: var(--sp-3);
    animation: interstitial-fade-up 0.45s ease 0.15s both;
}
.interstitial-headline {
    font-family: 'Fredoka One', sans-serif;
    font-size: clamp(1.6rem, 5vw, 2.1rem);
    color: var(--green-900);
    line-height: 1.2;
    margin-bottom: var(--sp-1);
}
.interstitial-headline em {
    font-style: normal;
    color: var(--error);
}
.interstitial-subhead {
    font-size: 0.97rem;
    color: var(--text-700);
    line-height: 1.7;
    max-width: 440px;
    margin-inline: auto;
}

/* Free check prompt */
.interstitial-free-check {
    background: var(--gold-50);
    border: 1.5px solid var(--gold-300);
    border-radius: var(--r-md);
    padding: var(--sp-2) var(--sp-2);
    margin-bottom: var(--sp-4);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--gold-800);
    animation: interstitial-fade-up 0.45s ease 0.25s both;
}
.interstitial-free-check p { color: var(--gold-800); line-height: 1.6; margin: 0; }
.interstitial-free-link {
    color: var(--green-700);
    text-decoration: none;
    font-weight: 700;
    transition: color var(--t-fast);
    border-bottom: 1.5px solid transparent;
}
.interstitial-free-link:hover {
    color: var(--green-900);
    border-bottom-color: var(--green-900);
    text-decoration: underline;
}
.interstitial-free-link strong { font-weight: 800; }

/* Form */
.interstitial-form {
    text-align: left;
    animation: interstitial-fade-up 0.45s ease 0.35s both;
}
.interstitial-field-group {
    margin-bottom: var(--sp-3);
}
.interstitial-field-label {
    display: block;
    font-weight: 800;
    font-size: 1rem;
    color: var(--text-700);
    margin-bottom: 8px;
    text-align: center;
    letter-spacing: 0.01em;
}
.interstitial-score-input {
    text-align: center;
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    padding-block: var(--sp-2);
}
.interstitial-score-hint {
    font-size: 0.78rem;
    color: var(--text-300);
    text-align: center;
    margin-top: 6px;
    line-height: 1.4;
}
.interstitial-continue-btn {
    font-size: 1.05rem;
    padding-block: 16px;
    min-height: 56px;
    margin-bottom: var(--sp-2);
}

/* Skip link */
.interstitial-skip-row {
    text-align: center;
    padding-top: var(--sp-1);
}
.interstitial-skip-link {
    font-size: 0.82rem;
    color: var(--text-300);
    text-decoration: none;
    transition: color var(--t-fast);
}
.interstitial-skip-link:hover {
    color: var(--text-700);
    text-decoration: underline;
}

/* =============================================
   THANK-YOU / OFFERS PAGE
   ============================================= */
.thankyou-hero {
    background: linear-gradient(160deg, var(--green-900) 0%, var(--green-800) 50%, var(--green-700) 100%);
    position: relative;
    overflow: hidden;
    padding-block: var(--sp-3) var(--sp-4);
    text-align: center;
}
.thankyou-hero .hero-mountains {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    width: 100%; height: auto;
    pointer-events: none;
}
.thankyou-hero-inner {
    position: relative;
    z-index: 1;
    max-width: 720px;
    margin-inline: auto;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--sp-2);
}

/* Checkmark badge */
.thankyou-check-badge {
    animation: thankyou-pop 0.55s cubic-bezier(0.34,1.56,0.64,1) both;
}
.thankyou-check-badge svg {
    width: 44px;
    height: 44px;
    filter: drop-shadow(0 4px 16px rgba(212,160,23,0.45));
}
@keyframes thankyou-pop {
    from { transform: scale(0.5); opacity: 0; }
    to   { transform: scale(1);   opacity: 1; }
}

/* Headline */
.thankyou-headline {
    font-family: 'Fredoka One', sans-serif;
    font-size: clamp(1.2rem, 3vw, 1.65rem);
    color: var(--white);
    line-height: 1.2;
    text-shadow: 0 2px 12px rgba(0,0,0,0.25);
    animation: thankyou-fade-up 0.45s ease 0.2s both;
}
.thankyou-headline em {
    font-style: normal;
    color: var(--gold-300);
}

/* Subhead */
.thankyou-subhead {
    font-size: clamp(0.82rem, 1.8vw, 0.95rem);
    color: var(--green-100);
    line-height: 1.65;
    max-width: 600px;
    animation: thankyou-fade-up 0.45s ease 0.35s both;
}
.thankyou-subhead strong { color: var(--gold-300); }
.thankyou-br { display: none; }
@media (min-width: 600px) { .thankyou-br { display: inline; } }

/* Offers area */
.thankyou-offers-area {
    min-height: 480px;
    padding-block: var(--sp-8);
    background: var(--cream);
}

@keyframes thankyou-fade-up {
    from { transform: translateY(14px); opacity: 0; }
    to   { transform: translateY(0);    opacity: 1; }
}

/* Disclosure block */
.interstitial-disclosure {
    margin-top: var(--sp-4);
    padding-top: var(--sp-3);
    border-top: 1px solid var(--cream-dark);
    font-size: 0.72rem;
    color: var(--text-300);
    line-height: 1.7;
    text-align: left;
}

/* Shared fade-up keyframe */
@keyframes interstitial-fade-up {
    from { transform: translateY(12px); opacity: 0; }
    to   { transform: translateY(0);    opacity: 1; }
}