/* ============================================================
   Bank Dhofar Loan Portal — Design System
   ============================================================ */
:root {
    /* Brand */
    --emerald-900: #064e3b;
    --emerald-800: #065f46;
    --emerald-700: #047857;
    --emerald-500: #10b981;
    --mint: #34d399;
    --gold: #d4af37;
    --gold-light: #f5c453;

    /* Neutrals */
    --surface: #fafaf9;
    --surface-2: #f5f5f4;
    --white: #ffffff;
    --ink: #0f172a;
    --muted: #64748b;
    --border: #e7e5e4;
    --error: #dc2626;
    --success: #059669;

    /* Effects */
    --radius-sm: 10px;
    --radius: 14px;
    --radius-lg: 20px;
    --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.06);
    --shadow: 0 4px 16px rgba(15, 23, 42, 0.08);
    --shadow-lg: 0 20px 40px -12px rgba(6, 78, 59, 0.18);
    --grad-emerald: linear-gradient(135deg, var(--emerald-900) 0%, var(--emerald-700) 55%, var(--emerald-500) 100%);
    --grad-gold: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
    --ease-bounce: cubic-bezier(0.34, 1.56, 0.64, 1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 90px; }

body {
    font-family: 'Inter', system-ui, sans-serif;
    color: var(--ink);
    background: var(--surface);
    line-height: 1.6;
    overflow-x: hidden;
}

h1, h2, h3, h4, .logo-text {
    font-family: 'Plus Jakarta Sans', 'Inter', sans-serif;
}

img { max-width: 100%; display: block; }
a { color: inherit; }
ul { list-style: none; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

::selection { background: var(--emerald-500); color: var(--white); }
:focus-visible { outline: 2px solid var(--emerald-500); outline-offset: 3px; border-radius: 4px; }

/* ---------- Placeholder slots (swap with real assets later) ---------- */
.ph {
    border: 2px dashed rgba(212, 175, 55, 0.65);
    border-radius: var(--radius);
    background: rgba(212, 175, 55, 0.06);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    color: var(--gold);
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    text-align: center;
    padding: 1rem;
}
.ph i { font-size: 1.6rem; opacity: 0.85; }

/* ============================================================
   Header — single bar, original bankdhofar.com style
   ============================================================ */
:root {
    --bd-green: #58b214;
    --bd-green-dark: #53aa00;
    --bd-green-deep: #479200;
    --header-h: 74px;
}

html { scroll-padding-top: calc(var(--header-h) + 10px); }

/* ---------- Header bar ---------- */
.site-header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 110;
    background: var(--white);
    border-bottom: 1px solid #eaeaea;
    height: var(--header-h);
    transition: box-shadow 0.3s ease;
}
.site-header.scrolled { box-shadow: 0 4px 14px rgba(0, 0, 0, 0.08); }
.sh-inner {
    max-width: 1350px;
    margin: 0 auto;
    padding: 0 24px;
    height: 100%;
    display: flex;
    align-items: center;
    gap: 1.5rem;
}
.logo { flex-shrink: 0; }
.logo a { display: flex; align-items: center; text-decoration: none; }
.logo img { height: 37px; width: auto; display: block; }

.main-wrap {
    position: fixed;
    top: var(--header-h);
    right: max(24px, calc((100vw - 1350px) / 2 + 24px));
    width: 330px;
    max-height: calc(100vh - var(--header-h) - 12px);
    overflow-y: auto;
    background: var(--white);
    border: 1px solid #ececec;
    border-top: 3px solid var(--bd-green);
    border-radius: 0 0 14px 14px;
    box-shadow: 0 22px 44px rgba(0, 0, 0, 0.16);
    padding: 0.6rem 0.75rem 1rem;
    z-index: 105;
    transform: translateY(-10px);
    opacity: 0;
    visibility: hidden;
    transition: transform 0.3s var(--ease-out), opacity 0.3s ease, visibility 0.3s;
}
.main-wrap.open { transform: translateY(0); opacity: 1; visibility: visible; }

.main-nav ul { display: block; list-style: none; }
.main-nav li { position: relative; }
.nav-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.4rem;
    width: 100%;
    background: none;
    border: none;
    border-bottom: 1px solid #f2f2f2;
    font-family: 'Inter', sans-serif;
    font-size: 0.92rem;
    font-weight: 600;
    color: #333;
    padding: 0.8rem 0.55rem;
    border-radius: 6px;
    cursor: pointer;
    text-decoration: none;
    transition: color 0.2s ease, background 0.2s ease;
    white-space: nowrap;
}
.nav-link:hover { color: var(--bd-green-deep); background: rgba(88, 178, 20, 0.07); }
.nav-link .caret { font-size: 0.62rem; opacity: 0.65; transition: transform 0.25s ease; }
.has-child.open > .nav-link { color: var(--bd-green-deep); background: rgba(88, 178, 20, 0.09); }
.has-child.open > .nav-link .caret { transform: rotate(180deg); }

/* Right-side tools: search, language, burger */
.header-tools { display: flex; align-items: center; gap: 0.55rem; margin-left: auto; flex-shrink: 0; }
.lang-toggle {
    font-size: 0.85rem;
    font-weight: 600;
    color: #444;
    text-decoration: none;
    padding: 0.42rem 0.6rem;
    border-radius: 5px;
    transition: color 0.2s ease, background 0.2s ease;
    white-space: nowrap;
}
.lang-toggle:hover { color: var(--bd-green-deep); background: rgba(88, 178, 20, 0.08); }

/* Expandable search */
.site-search { display: flex; align-items: center; }
.site-search form {
    display: flex;
    align-items: center;
    width: 0;
    overflow: hidden;
    opacity: 0;
    transition: width 0.35s var(--ease-out), opacity 0.3s ease;
}
.site-search.open form { width: 190px; opacity: 1; }
.site-search .search-input {
    width: 100%;
    border: 1px solid #d4d4d4;
    border-right: none;
    border-radius: 5px 0 0 5px;
    padding: 0.45rem 0.7rem;
    font-size: 0.82rem;
    font-family: inherit;
    background: var(--white);
}
.site-search .search-input:focus { outline: none; border-color: var(--bd-green); }
.site-search .search-go {
    border: none;
    background: var(--bd-green);
    color: var(--white);
    padding: 0.48rem 0.68rem;
    border-radius: 0 5px 5px 0;
    cursor: pointer;
    transition: background 0.2s ease;
}
.site-search .search-go:hover { background: var(--bd-green-dark); }
.search-expand {
    display: flex;
    align-items: center;
    justify-content: center;
    background: none;
    border: none;
    color: #444;
    cursor: pointer;
    width: 38px;
    height: 38px;
    border-radius: 50%;
    transition: color 0.2s ease, background 0.2s ease;
}
.search-expand:hover { color: var(--bd-green-deep); background: rgba(88, 178, 20, 0.08); }
.search-expand .close-icon { display: none; }
.site-search.open .search-expand .search-icon { display: none; }
.site-search.open .search-expand .close-icon { display: inline-block; }

/* Accordion dropdowns inside panel */
.dropdown {
    display: none;
    padding: 0.2rem 0 0.5rem;
    border-left: 3px solid var(--bd-green);
    margin: 0 0 0.25rem 0.55rem;
    list-style: none;
}
.has-child.open > .dropdown { display: block; }
.dropdown li a {
    display: block;
    padding: 0.5rem 1rem;
    font-size: 0.85rem;
    font-weight: 500;
    color: #555;
    text-decoration: none;
    border-radius: 6px;
    transition: background 0.15s ease, color 0.15s ease;
    white-space: nowrap;
}
.dropdown li a:hover { background: rgba(88, 178, 20, 0.08); color: var(--bd-green-deep); }
.dropdown .sub-head {
    padding: 0.65rem 1rem 0.25rem;
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--bd-green-deep);
}
.dropdown.multi-col { min-width: 0; }

/* Online Banking CTA */
.btn-online-banking {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    margin-top: 0.75rem;
    background: var(--bd-green);
    color: var(--white);
    font-size: 0.88rem;
    font-weight: 700;
    padding: 0.7rem 1.05rem;
    border-radius: 6px;
    text-decoration: none;
    white-space: nowrap;
    box-shadow: 0 3px 10px rgba(88, 178, 20, 0.3);
    transition: background 0.25s ease, transform 0.2s ease, box-shadow 0.25s ease;
}
.btn-online-banking:hover {
    background: var(--bd-green-dark);
    transform: translateY(-1px);
    box-shadow: 0 6px 16px rgba(88, 178, 20, 0.4);
}
.btn-online-banking .before { font-size: 0.85rem; }
.btn-online-banking .after { font-size: 0.6rem; opacity: 0.85; }

/* Burger */
.burger {
    display: flex;
    align-items: center;
    justify-content: center;
    background: none;
    border: none;
    color: #333;
    cursor: pointer;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    transition: color 0.2s ease, background 0.2s ease;
}
.burger:hover { color: var(--bd-green-deep); background: rgba(88, 178, 20, 0.08); }
.burger .bars { display: flex; flex-direction: column; gap: 5px; width: 22px; }
.burger .bars span { height: 2.5px; background: currentColor; border-radius: 2px; transition: transform 0.3s ease, opacity 0.3s ease; }
.burger[aria-expanded="true"] .bars span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.burger[aria-expanded="true"] .bars span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] .bars span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Main page offset for fixed header */
main { padding-top: var(--header-h); }

/* ============================================================
   Buttons
   ============================================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.55rem;
    border: none;
    border-radius: var(--radius-sm);
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-weight: 700;
    font-size: 0.95rem;
    padding: 0.85rem 1.6rem;
    cursor: pointer;
    text-decoration: none;
    position: relative;
    overflow: hidden;
    transition: transform 0.25s var(--ease-bounce), box-shadow 0.3s ease, background 0.3s ease, color 0.3s ease;
}
.btn::before {
    content: '';
    position: absolute;
    top: 0; left: -80%;
    width: 50%; height: 100%;
    background: linear-gradient(100deg, transparent, rgba(255, 255, 255, 0.35), transparent);
    transform: skewX(-20deg);
    transition: left 0.55s ease;
}
.btn:hover::before { left: 130%; }
.btn:active { transform: translateY(0) scale(0.98); }

.btn-primary { background: var(--grad-emerald); color: var(--white); box-shadow: 0 6px 18px rgba(6, 78, 59, 0.3); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 26px rgba(6, 78, 59, 0.38); }

.btn-gold { background: var(--grad-gold); color: var(--emerald-900); box-shadow: 0 6px 18px rgba(212, 175, 55, 0.35); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 12px 26px rgba(212, 175, 55, 0.45); }

.btn-ghost { background: transparent; color: var(--white); border: 2px solid rgba(255, 255, 255, 0.55); }
.btn-ghost:hover { background: var(--white); color: var(--emerald-800); transform: translateY(-2px); }

.btn-outline { background: var(--white); color: var(--emerald-800); border: 2px solid var(--emerald-700); }
.btn-outline:hover { background: var(--emerald-700); color: var(--white); transform: translateY(-2px); }

.btn-lg { padding: 1.05rem 2rem; font-size: 1.05rem; }
.btn-sm { padding: 0.55rem 1.1rem; font-size: 0.82rem; }
.btn-block { width: 100%; }

/* ============================================================
   Hero — clean full-width background image
   ============================================================ */
.hero {
    position: relative;
    width: 100%;
    height: clamp(300px, 46vh, 520px);
    background: url('hero-image.jpg') center / cover no-repeat;
    background-position: center 30%;
}

/* ============================================================
   Stats bar
   ============================================================ */
.stats { background: var(--white); border-bottom: 1px solid var(--border); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--border); border-radius: var(--radius); overflow: hidden; margin: -38px auto 0; position: relative; z-index: 5; box-shadow: var(--shadow-lg); }
.stat {
    background: var(--white);
    padding: 1.9rem 1.2rem;
    text-align: center;
    transition: background 0.3s ease;
}
.stat:hover { background: var(--surface-2); }
.stat .num {
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 2.1rem;
    font-weight: 800;
    color: var(--emerald-800);
    letter-spacing: -0.02em;
    line-height: 1.1;
}
.stat .num .suffix { color: var(--gold); }
.stat .label { color: var(--muted); font-size: 0.85rem; font-weight: 500; margin-top: 0.3rem; }

/* ============================================================
   Sections common
   ============================================================ */
.section { padding: 5.5rem 0; }
.section-alt { background: var(--white); }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 3.2rem; }
.eyebrow {
    display: inline-block;
    background: linear-gradient(135deg, rgba(6, 78, 59, 0.1), rgba(16, 185, 129, 0.14));
    color: var(--emerald-800);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 0.42rem 1.05rem;
    border-radius: 999px;
    margin-bottom: 1.1rem;
}
.section-head h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 800; letter-spacing: -0.025em; line-height: 1.15; margin-bottom: 0.8rem; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

/* ============================================================
   Product cards
   ============================================================ */
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 1.8rem 1.6rem;
    display: flex;
    flex-direction: column;
    position: relative;
    transition: transform 0.35s var(--ease-out), box-shadow 0.35s ease, border-color 0.35s ease;
}
.card::before {
    content: '';
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
    background: var(--grad-emerald);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s var(--ease-out);
}
.card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
.card:hover::before { transform: scaleX(1); }
.card-icon {
    width: 54px; height: 54px;
    border-radius: 14px;
    background: linear-gradient(135deg, rgba(6, 78, 59, 0.1), rgba(16, 185, 129, 0.16));
    color: var(--emerald-700);
    display: grid;
    place-items: center;
    font-size: 1.4rem;
    margin-bottom: 1.2rem;
    transition: transform 0.35s var(--ease-bounce), background 0.3s ease, color 0.3s ease;
}
.card:hover .card-icon { transform: rotate(-6deg) scale(1.08); background: var(--grad-emerald); color: var(--white); }
.card h3 { font-size: 1.22rem; font-weight: 700; margin-bottom: 0.45rem; }
.card .desc { color: var(--muted); font-size: 0.9rem; margin-bottom: 1.2rem; flex-grow: 1; }
.card-meta { display: flex; flex-direction: column; gap: 0.45rem; margin-bottom: 1.4rem; }
.card-meta .row { display: flex; justify-content: space-between; font-size: 0.83rem; padding-bottom: 0.45rem; border-bottom: 1px dashed var(--border); }
.card-meta .row:last-child { border-bottom: none; }
.card-meta .k { color: var(--muted); }
.card-meta .v { font-weight: 700; }
.card-meta .v.hl { color: var(--emerald-700); }

/* ============================================================
   Calculator
   ============================================================ */
.calc-wrap {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 2rem;
    align-items: stretch;
}
.calc-panel, .calc-result {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.2rem;
    box-shadow: var(--shadow-sm);
}
.calc-result { background: var(--grad-emerald); color: var(--white); border: none; display: flex; flex-direction: column; }
.calc-panel h3, .calc-result h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 1.6rem; }
.calc-result h3 { color: rgba(255, 255, 255, 0.85); }

.calc-tabs { display: flex; gap: 0.5rem; flex-wrap: wrap; margin-bottom: 2rem; }
.calc-tab {
    border: 1.5px solid var(--border);
    background: var(--white);
    color: var(--muted);
    border-radius: 999px;
    padding: 0.5rem 1.1rem;
    font-size: 0.84rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.25s ease;
}
.calc-tab:hover { border-color: var(--emerald-500); color: var(--emerald-700); }
.calc-tab.active { background: var(--grad-emerald); border-color: transparent; color: var(--white); box-shadow: 0 4px 12px rgba(6, 78, 59, 0.28); }

.slider-group { margin-bottom: 2rem; }
.slider-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 0.9rem; }
.slider-head label { font-weight: 600; font-size: 0.92rem; }
.slider-head .val { font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; color: var(--emerald-800); font-size: 1.15rem; }
input[type="range"] {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 999px;
    background: var(--surface-2);
    outline: none;
    cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px; height: 24px;
    border-radius: 50%;
    background: var(--grad-emerald);
    border: 3px solid var(--white);
    box-shadow: 0 2px 10px rgba(6, 78, 59, 0.4);
    transition: transform 0.2s var(--ease-bounce);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--emerald-700);
    border: 3px solid var(--white);
    box-shadow: 0 2px 10px rgba(6, 78, 59, 0.4);
    cursor: pointer;
}
.slider-scale { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--muted); margin-top: 0.5rem; }

.donut-wrap { display: flex; justify-content: center; margin-bottom: 1.4rem; }
.donut { position: relative; width: 190px; height: 190px; }
.donut svg { transform: rotate(-90deg); width: 100%; height: 100%; }
.donut circle { fill: none; stroke-width: 14; stroke-linecap: round; }
.donut .track { stroke: rgba(255, 255, 255, 0.18); }
.donut .seg { transition: stroke-dashoffset 0.8s var(--ease-out); }
.donut .seg-principal { stroke: var(--gold-light); }
.donut .seg-interest { stroke: var(--mint); }
.donut-center {
    position: absolute; inset: 0;
    display: flex; flex-direction: column;
    align-items: center; justify-content: center;
    text-align: center;
}
.donut-center .amount { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 1.45rem; font-weight: 800; letter-spacing: -0.02em; }
.donut-center .amount-label { font-size: 0.72rem; color: rgba(255, 255, 255, 0.75); text-transform: uppercase; letter-spacing: 0.08em; }

.breakdown { display: flex; flex-direction: column; gap: 0.6rem; margin-bottom: 1.6rem; }
.breakdown .row { display: flex; justify-content: space-between; align-items: center; font-size: 0.9rem; padding: 0.55rem 0.85rem; background: rgba(255, 255, 255, 0.1); border-radius: var(--radius-sm); }
.breakdown .row .k { display: flex; align-items: center; gap: 0.5rem; color: rgba(255, 255, 255, 0.85); }
.breakdown .row .swatch { width: 10px; height: 10px; border-radius: 3px; }
.breakdown .row .swatch.gold { background: var(--gold-light); }
.breakdown .row .swatch.mint { background: var(--mint); }
.breakdown .row .v { font-weight: 700; font-family: 'Plus Jakarta Sans', sans-serif; }
.calc-result .btn { margin-top: auto; }

/* ============================================================
   How it works
   ============================================================ */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; position: relative; }
.steps::before {
    content: '';
    position: absolute;
    top: 46px; left: 16%; right: 16%;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--emerald-500), var(--gold), transparent);
    opacity: 0.4;
}
.step { text-align: center; position: relative; }
.step-num {
    width: 92px; height: 92px;
    margin: 0 auto 1.4rem;
    border-radius: 50%;
    background: var(--white);
    border: 2px solid var(--border);
    display: grid;
    place-items: center;
    font-family: 'Plus Jakarta Sans', sans-serif;
    font-size: 1.7rem;
    font-weight: 800;
    color: var(--emerald-700);
    position: relative;
    z-index: 1;
    box-shadow: var(--shadow-sm);
    transition: transform 0.35s var(--ease-bounce), border-color 0.3s ease, box-shadow 0.3s ease;
}
.step:hover .step-num { transform: translateY(-6px) scale(1.05); border-color: var(--emerald-500); box-shadow: var(--shadow-lg); }
.step-num i { font-size: 1.6rem; }
.step h3 { font-size: 1.18rem; font-weight: 700; margin-bottom: 0.5rem; }
.step p { color: var(--muted); font-size: 0.92rem; max-width: 20rem; margin: 0 auto; }

/* ============================================================
   Wizard
   ============================================================ */
.wizard {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    max-width: 880px;
    margin: 0 auto;
}
.wizard-top { padding: 2rem 2.4rem 0; }
.progress-track { height: 6px; background: var(--surface-2); border-radius: 999px; overflow: hidden; margin-bottom: 1.6rem; }
.progress-fill {
    height: 100%;
    width: 25%;
    background: var(--grad-gold);
    border-radius: 999px;
    transition: width 0.5s var(--ease-out);
}
.progress-steps { display: flex; justify-content: space-between; margin-bottom: 0.4rem; }
.p-step { display: flex; flex-direction: column; align-items: center; gap: 0.45rem; flex: 1; }
.p-step .bubble {
    width: 38px; height: 38px;
    border-radius: 50%;
    background: var(--surface-2);
    color: var(--muted);
    display: grid;
    place-items: center;
    font-weight: 700;
    font-size: 0.88rem;
    font-family: 'Plus Jakarta Sans', sans-serif;
    transition: all 0.35s var(--ease-out);
    border: 2px solid transparent;
}
.p-step .p-label { font-size: 0.74rem; font-weight: 600; color: var(--muted); transition: color 0.3s ease; }
.p-step.active .bubble { background: var(--grad-emerald); color: var(--white); transform: scale(1.12); box-shadow: 0 6px 16px rgba(6, 78, 59, 0.3); }
.p-step.active .p-label { color: var(--emerald-800); }
.p-step.done .bubble { background: var(--emerald-500); color: var(--white); }
.p-step.done .p-label { color: var(--emerald-700); }

.wizard-body { padding: 2rem 2.4rem 2.4rem; }
.step-panel { display: none; }
.step-panel.active { display: block; animation: stepIn 0.45s var(--ease-out); }
@keyframes stepIn {
    from { opacity: 0; transform: translateX(28px); }
    to { opacity: 1; transform: translateX(0); }
}
.step-panel.leaving { animation: stepOut 0.3s ease forwards; }
@keyframes stepOut {
    to { opacity: 0; transform: translateX(-28px); }
}
.step-panel h3 { font-size: 1.3rem; font-weight: 800; margin-bottom: 0.35rem; }
.step-panel .sub { color: var(--muted); font-size: 0.92rem; margin-bottom: 1.7rem; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.3rem; }
.form-grid .full { grid-column: 1 / -1; }
.field label { display: block; font-weight: 600; font-size: 0.86rem; margin-bottom: 0.45rem; }
.field label .req { color: var(--error); }
.field input, .field select, .field textarea {
    width: 100%;
    padding: 0.8rem 1rem;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 0.95rem;
    background: var(--white);
    color: var(--ink);
    transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.field input:hover, .field select:hover, .field textarea:hover { border-color: #d6d3d1; }
.field input:focus, .field select:focus, .field textarea:focus {
    outline: none;
    border-color: var(--emerald-500);
    box-shadow: 0 0 0 4px rgba(16, 185, 129, 0.14);
}
.field input.invalid, .field select.invalid, .field textarea.invalid {
    border-color: var(--error);
    box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.1);
}
.field .err { display: block; color: var(--error); font-size: 0.78rem; font-weight: 500; margin-top: 0.35rem; min-height: 1rem; }
.field textarea { resize: vertical; min-height: 92px; }

.checkbox-field { display: flex; align-items: flex-start; gap: 0.75rem; background: var(--surface-2); padding: 1.1rem 1.25rem; border-radius: var(--radius-sm); }
.checkbox-field input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--emerald-700); cursor: pointer; flex-shrink: 0; }
.checkbox-field label { font-size: 0.9rem; font-weight: 500; line-height: 1.55; }
.checkbox-field a { color: var(--emerald-700); font-weight: 700; }

.wizard-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 2rem; padding-top: 1.6rem; border-top: 1px solid var(--border); }
.wizard-nav .hint { color: var(--muted); font-size: 0.82rem; }
.nav-btns { display: flex; gap: 0.75rem; }

/* OTP step */
.otp-input {
    text-align: center;
    font-size: 1.3rem !important;
    font-weight: 700 !important;
    letter-spacing: 0.45em;
    font-family: 'Plus Jakarta Sans', monospace !important;
}
.btn:disabled { opacity: 0.5; cursor: not-allowed; transform: none !important; box-shadow: none !important; }

/* Review step */
.review-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.review-block { background: var(--surface-2); border-radius: var(--radius); padding: 1.4rem 1.5rem; }
.review-block header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1rem; }
.review-block h4 { font-size: 0.95rem; font-weight: 700; color: var(--emerald-800); }
.review-block .edit { background: none; border: none; color: var(--emerald-700); font-weight: 700; font-size: 0.8rem; cursor: pointer; display: inline-flex; align-items: center; gap: 0.35rem; padding: 0.25rem 0.5rem; border-radius: 6px; transition: background 0.2s ease; }
.review-block .edit:hover { background: rgba(16, 185, 129, 0.12); }
.review-row { display: flex; justify-content: space-between; gap: 1rem; padding: 0.42rem 0; border-bottom: 1px dashed var(--border); font-size: 0.86rem; }
.review-row:last-child { border-bottom: none; }
.review-row .k { color: var(--muted); }
.review-row .v { font-weight: 600; text-align: right; }

/* ============================================================
   Modal
   ============================================================ */
.modal {
    position: fixed; inset: 0;
    background: rgba(2, 44, 34, 0.55);
    backdrop-filter: blur(6px);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 200;
    padding: 1.5rem;
}
.modal.open { display: flex; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 3rem 2.6rem;
    max-width: 460px;
    width: 100%;
    text-align: center;
    box-shadow: 0 30px 60px -15px rgba(2, 44, 34, 0.4);
    animation: popIn 0.45s var(--ease-bounce);
    position: relative;
}
@keyframes popIn {
    from { opacity: 0; transform: translateY(26px) scale(0.94); }
    to { opacity: 1; transform: translateY(0) scale(1); }
}
.check-svg { width: 92px; height: 92px; margin: 0 auto 1.4rem; }
.check-svg circle {
    fill: none;
    stroke: var(--emerald-500);
    stroke-width: 4;
    stroke-dasharray: 270;
    stroke-dashoffset: 270;
    animation: drawCircle 0.7s var(--ease-out) forwards;
}
.check-svg path {
    fill: none;
    stroke: var(--emerald-700);
    stroke-width: 5;
    stroke-linecap: round;
    stroke-linejoin: round;
    stroke-dasharray: 60;
    stroke-dashoffset: 60;
    animation: drawCheck 0.45s var(--ease-out) 0.55s forwards;
}
@keyframes drawCircle { to { stroke-dashoffset: 0; } }
@keyframes drawCheck { to { stroke-dashoffset: 0; } }
.modal-card h3 { font-size: 1.5rem; font-weight: 800; margin-bottom: 0.6rem; }
.modal-card p { color: var(--muted); font-size: 0.95rem; margin-bottom: 1.2rem; }
.ref-box {
    background: var(--surface-2);
    border: 1.5px dashed var(--emerald-500);
    border-radius: var(--radius-sm);
    padding: 0.9rem;
    margin-bottom: 1.6rem;
    font-family: 'Plus Jakarta Sans', monospace;
}
.ref-box small { display: block; color: var(--muted); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 0.2rem; font-family: 'Inter', sans-serif; }
.ref-box strong { font-size: 1.15rem; color: var(--emerald-800); letter-spacing: 0.04em; }

/* ============================================================
   Footer
   ============================================================ */
.footer { background: #022c22; color: rgba(255, 255, 255, 0.8); padding: 4rem 0 0; margin-top: 2rem; }
.footer .logo a {
    background: var(--white);
    padding: 0.55rem 0.85rem;
    border-radius: 8px;
    display: inline-flex;
}
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.1fr; gap: 2.5rem; padding-bottom: 2.8rem; }
.footer .logo-text { color: var(--white); }
.footer .logo-text span { color: rgba(255, 255, 255, 0.5); }
.footer-brand p { font-size: 0.9rem; margin-top: 1rem; max-width: 22rem; line-height: 1.7; color: rgba(255, 255, 255, 0.6); }
.footer h4 { color: var(--white); font-size: 0.95rem; font-weight: 700; margin-bottom: 1.1rem; }
.footer ul li { margin-bottom: 0.6rem; }
.footer a { text-decoration: none; color: rgba(255, 255, 255, 0.62); font-size: 0.9rem; transition: color 0.25s ease, padding-left 0.25s ease; display: inline-block; }
.footer a:hover { color: var(--gold-light); padding-left: 4px; }
.footer-contact .line { display: flex; align-items: center; gap: 0.7rem; margin-bottom: 0.8rem; font-size: 0.9rem; }
.footer-contact .line i { color: var(--gold-light); width: 18px; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.1); padding: 1.4rem 0; text-align: center; font-size: 0.82rem; color: rgba(255, 255, 255, 0.45); }

/* ============================================================
   Scroll reveal
   ============================================================ */
.reveal { opacity: 0; transform: translateY(34px); transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out); }
.reveal.revealed { opacity: 1; transform: translateY(0); }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1024px) {
    .cards { grid-template-columns: repeat(2, 1fr); }
    .calc-wrap { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
    .hero {
        height: clamp(220px, 34vh, 380px);
        background-position: center 28%;
    }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .steps { grid-template-columns: 1fr; gap: 2.5rem; }
    .steps::before { display: none; }

    /* Header — panel full width on small screens */
    .main-wrap {
        right: 0;
        left: 0;
        width: auto;
        border-radius: 0;
        border-left: none;
        border-right: none;
    }
    .site-search.open form { width: 150px; }
}
@media (max-width: 640px) {
    .cards { grid-template-columns: 1fr; }
    .form-grid, .review-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .wizard-top, .wizard-body { padding-left: 1.3rem; padding-right: 1.3rem; }
    .p-step .p-label { display: none; }
    .footer-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Reduced motion
   ============================================================ */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
    html { scroll-behavior: auto; }
    .reveal { opacity: 1; transform: none; }
}