@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

:root {
  /* HSL Color System */
  --bg-primary: hsl(210, 20%, 98%);
  --bg-secondary: hsl(0, 0%, 100%);
  --bg-dark: hsl(222, 47%, 11%);
  --bg-dark-accent: hsl(217, 33%, 17%);
  
  --text-primary: hsl(222, 47%, 11%);
  --text-secondary: hsl(215, 16%, 47%);
  --text-light: hsl(210, 20%, 98%);
  
  --primary: hsl(221, 83%, 53%);
  --primary-hover: hsl(221, 83%, 45%);
  --primary-light: hsl(221, 83%, 96%);
  
  --accent: hsl(35, 92%, 50%); /* Amber Gold */
  --accent-hover: hsl(35, 92%, 40%);
  --accent-light: hsl(35, 92%, 95%);
  
  --success: hsl(142, 71%, 45%);
  --border-color: hsl(214, 32%, 91%);
  --border-focus: hsl(221, 83%, 75%);
  
  --font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --transition-smooth: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.05), 0 2px 4px -1px rgba(0, 0, 0, 0.03);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.05), 0 4px 6px -2px rgba(0, 0, 0, 0.02);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.08), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
}

/* Background Glowing Blobs */
.glow-bg {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  overflow: hidden;
  z-index: -1;
  pointer-events: none;
  background-color: var(--bg-primary);
}

.blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(140px);
  opacity: 0.15;
  mix-blend-mode: multiply;
  pointer-events: none;
}

.blob-1 {
  top: -10%;
  left: -10%;
  width: 50vw;
  height: 50vw;
  background: var(--primary);
  animation: float-blob-1 25s ease-in-out infinite alternate;
}

.blob-2 {
  bottom: -10%;
  right: -10%;
  width: 45vw;
  height: 45vw;
  background: var(--accent);
  animation: float-blob-2 20s ease-in-out infinite alternate;
}

.blob-3 {
  top: 40%;
  left: 50%;
  width: 35vw;
  height: 35vw;
  background: var(--success);
  opacity: 0.08;
  animation: float-blob-3 30s ease-in-out infinite alternate;
}

@keyframes float-blob-1 {
  0% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(10vw, 5vh) scale(1.1); }
  100% { transform: translate(-5vw, -10vh) scale(0.9); }
}

@keyframes float-blob-2 {
  0% { transform: translate(0, 0) scale(0.9); }
  50% { transform: translate(-8vw, -12vh) scale(1.05); }
  100% { transform: translate(12vw, 5vh) scale(0.85); }
}

@keyframes float-blob-3 {
  0% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(-15vw, 10vh) scale(0.95); }
  100% { transform: translate(5vw, -5vh) scale(1.05); }
}


/* Base resets & styles */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-main);
  background-color: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.6;
  overflow-x: hidden;
}

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

/* Typography Utility */
h1, h2, h3, h4, h5 {
  font-weight: 700;
  line-height: 1.25;
  color: var(--bg-dark);
}

/* Layout Container */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Navigation Header */
header {
  background-color: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(255, 255, 255, 0.3);
  transition: var(--transition-smooth);
}

header.scrolled {
  box-shadow: var(--shadow-md);
  background-color: rgba(255, 255, 255, 0.85);
  border-bottom-color: var(--border-color);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--bg-dark);
}

.logo span {
  color: var(--accent);
}

.logo-icon {
  background: linear-gradient(135deg, var(--bg-dark), var(--primary));
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
}

nav ul {
  display: flex;
  list-style: none;
  gap: 32px;
}

nav ul li a {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-secondary);
  transition: var(--transition-smooth);
  position: relative;
  padding: 8px 0;
}

nav ul li a:hover, nav ul li a.active {
  color: var(--primary);
}

nav ul li a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--primary);
  transition: var(--transition-smooth);
}

nav ul li a:hover::after, nav ul li a.active::after {
  width: 100%;
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.95rem;
  transition: var(--transition-smooth);
  cursor: pointer;
  border: none;
  outline: none;
  gap: 8px;
}

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

.btn-primary:hover {
  background-color: var(--primary-hover);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.2);
}

.btn-accent {
  background-color: var(--accent);
  color: var(--bg-dark);
}

.btn-accent:hover {
  background-color: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(217, 119, 6, 0.2);
}

.btn-outline {
  background-color: transparent;
  border: 2px solid var(--border-color);
  color: var(--text-primary);
}

.btn-outline:hover {
  background-color: var(--primary-light);
  border-color: var(--primary);
  color: var(--primary);
}

/* Mobile Menu Toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 6px;
  cursor: pointer;
  border: none;
  background: transparent;
  padding: 4px;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--bg-dark);
  transition: var(--transition-smooth);
}

/* Hero Section */
.hero {
  background: linear-gradient(135deg, hsl(222, 47%, 11%) 0%, hsl(217, 33%, 17%) 100%);
  color: var(--text-light);
  padding: 100px 0 140px 0;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 80px;
  background: linear-gradient(to top, var(--bg-primary), transparent);
  pointer-events: none;
}

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

.hero-content h1 {
  color: white;
  font-size: 3rem;
  line-height: 1.15;
  margin-bottom: 24px;
  font-weight: 800;
}

.hero-content h1 span {
  color: var(--accent);
}

.hero-content p {
  font-size: 1.15rem;
  color: hsl(215, 20%, 75%);
  margin-bottom: 24px;
  max-width: 500px;
}

.hero-image-container {
  margin: 24px 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: 0 10px 30px -10px rgba(0, 0, 0, 0.5), 0 1px 1px rgba(255, 255, 255, 0.1) inset;
  background-color: rgba(30, 41, 59, 0.5);
  backdrop-filter: blur(10px);
  max-width: 500px;
}

.hero-finance-img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.hero-image-container:hover .hero-finance-img {
  transform: scale(1.03);
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 40px;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 500;
}

.badge svg {
  color: var(--accent);
  width: 16px;
  height: 16px;
}

/* Simulator Widget Card */
.sim-card {
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-xl);
  color: var(--text-primary);
  border: 1px solid rgba(255, 255, 255, 0.4);
  transform: translateY(20px);
  opacity: 0;
  animation: slideUp 0.8s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

@keyframes slideUp {
  to {
    transform: translateY(0);
    opacity: 1;
  }
}

.sim-card h3 {
  font-size: 1.5rem;
  margin-bottom: 30px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.sim-group {
  margin-bottom: 28px;
}

.sim-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}

.sim-label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.sim-value-box {
  background-color: var(--primary-light);
  color: var(--primary);
  font-weight: 700;
  font-size: 1.15rem;
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(37, 99, 235, 0.15);
}

/* Custom Range Input Styling */
.range-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 5px;
  background: var(--border-color);
  outline: none;
  transition: var(--transition-smooth);
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
  transition: var(--transition-smooth);
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background: var(--primary-hover);
}

.range-slider::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
  transition: var(--transition-smooth);
}

.range-min-max {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-secondary);
  margin-top: 8px;
}

/* Output Display Box */
.sim-results {
  background-color: var(--bg-dark);
  color: white;
  border-radius: var(--radius-md);
  padding: 24px;
  margin-bottom: 30px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.result-item {
  display: flex;
  flex-direction: column;
}

.result-item.full-width {
  grid-column: span 2;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 15px;
  margin-top: 5px;
}

.result-label {
  font-size: 0.8rem;
  color: hsl(215, 20%, 75%);
  margin-bottom: 4px;
}

.result-value {
  font-size: 1.35rem;
  font-weight: 700;
  color: white;
}

.result-value.accent-text {
  color: var(--accent);
  font-size: 1.85rem;
}

/* Sections General */
section {
  padding: 100px 0;
}

.section-header {
  text-align: center;
  max-width: 650px;
  margin: 0 auto 64px auto;
}

.section-header h2 {
  font-size: 2.25rem;
  margin-bottom: 16px;
  font-weight: 800;
}

.section-header p {
  color: var(--text-secondary);
  font-size: 1.1rem;
}

/* Benefits Grid */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.benefit-card {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: 40px;
  transition: var(--transition-smooth);
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.benefit-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(37, 99, 235, 0.2);
}

.benefit-icon {
  width: 56px;
  height: 56px;
  background-color: var(--primary-light);
  color: var(--primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

.benefit-icon svg {
  width: 28px;
  height: 28px;
}

.benefit-card h3 {
  font-size: 1.25rem;
}

.benefit-card p {
  color: var(--text-secondary);
  font-size: 0.95rem;
}

/* Interactive Application Form Wizard */
.application-section {
  background-color: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

.wizard-container {
  max-width: 800px;
  margin: 0 auto;
  background-color: var(--bg-primary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-lg);
}

/* Form Progress Tracker */
.progress-bar-wrapper {
  margin-bottom: 48px;
}

.steps-indicator {
  display: flex;
  justify-content: space-between;
  position: relative;
}

.steps-indicator::before {
  content: '';
  position: absolute;
  top: 20px;
  left: 0;
  right: 0;
  height: 3px;
  background-color: var(--border-color);
  z-index: 1;
}

.progress-line {
  position: absolute;
  top: 20px;
  left: 0;
  width: 0%;
  height: 3px;
  background-color: var(--primary);
  z-index: 1;
  transition: var(--transition-smooth);
}

.step-dot {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: var(--bg-secondary);
  border: 3px solid var(--border-color);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--text-secondary);
  z-index: 2;
  position: relative;
  transition: var(--transition-smooth);
}

.step-dot.active {
  border-color: var(--primary);
  color: var(--primary);
  background-color: var(--bg-secondary);
  box-shadow: 0 0 0 6px var(--primary-light);
}

.step-dot.completed {
  border-color: var(--success);
  background-color: var(--success);
  color: white;
}

.step-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 12px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.step-label.active {
  color: var(--primary);
}

.step-label.completed {
  color: var(--success);
}

/* Wizard Panels */
.wizard-panel {
  display: none;
  animation: fadeIn 0.4s ease-out forwards;
}

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

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.wizard-panel h3 {
  font-size: 1.35rem;
  margin-bottom: 24px;
  border-bottom: 2px solid var(--border-color);
  padding-bottom: 12px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 32px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group.full-width {
  grid-column: span 2;
}

label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--bg-dark);
}

input[type="text"],
input[type="email"],
input[type="tel"],
select {
  padding: 14px 18px;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-sm);
  font-family: var(--font-main);
  font-size: 0.95rem;
  outline: none;
  transition: var(--transition-smooth);
  background-color: var(--bg-secondary);
}

input[type="text"]:focus,
input[type="email"]:focus,
input[type="tel"]:focus,
select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px var(--primary-light);
}

.input-error {
  border-color: hsl(0, 84%, 60%) !important;
}

.error-message {
  font-size: 0.8rem;
  color: hsl(0, 84%, 60%);
  margin-top: 4px;
  display: none;
}

/* Multi-select styling / custom radio buttons if needed */
.purpose-select-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  grid-column: span 2;
  margin-bottom: 16px;
}

.purpose-option {
  border: 2px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 16px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition-smooth);
  background-color: var(--bg-secondary);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.9rem;
}

.purpose-option svg {
  width: 24px;
  height: 24px;
  color: var(--text-secondary);
}

.purpose-option:hover {
  border-color: var(--primary);
  background-color: var(--primary-light);
}

.purpose-option.selected {
  border-color: var(--primary);
  background-color: var(--primary-light);
  color: var(--primary);
}

.purpose-option.selected svg {
  color: var(--primary);
}

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 24px;
}

.checkbox-group input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin-top: 3px;
  accent-color: var(--primary);
  cursor: pointer;
}

.checkbox-group label {
  font-weight: 500;
  color: var(--text-secondary);
  font-size: 0.85rem;
  line-height: 1.4;
  cursor: pointer;
}

.checkbox-group label a {
  color: var(--primary);
  text-decoration: underline;
}

.wizard-footer {
  display: flex;
  justify-content: space-between;
  border-top: 1px solid var(--border-color);
  padding-top: 24px;
}

/* Wizard Success Panel */
.success-panel {
  text-align: center;
  padding: 40px 0;
}

.success-icon {
  width: 72px;
  height: 72px;
  background-color: var(--success);
  color: white;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  box-shadow: 0 8px 16px rgba(16, 185, 129, 0.3);
}

.success-icon svg {
  width: 36px;
  height: 36px;
}

.success-panel h3 {
  font-size: 1.75rem;
  margin-bottom: 12px;
  color: var(--bg-dark);
}

.success-panel p {
  color: var(--text-secondary);
  margin-bottom: 30px;
  font-size: 1.05rem;
}

.success-summary {
  background-color: var(--bg-primary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 20px;
  max-width: 450px;
  margin: 0 auto 30px auto;
  text-align: left;
}

.summary-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid var(--border-color);
  font-size: 0.9rem;
}

.summary-row:last-child {
  border-bottom: none;
}

.summary-label {
  color: var(--text-secondary);
  font-weight: 500;
}

.summary-value {
  font-weight: 700;
  color: var(--bg-dark);
}

/* FAQ Accordion Section */
.faq-container {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  margin-bottom: 16px;
  overflow: hidden;
  transition: var(--transition-smooth);
}

.faq-item:hover {
  border-color: rgba(37, 99, 235, 0.2);
}

.faq-header {
  padding: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  user-select: none;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--bg-dark);
}

.faq-toggle-icon {
  transition: var(--transition-smooth);
  color: var(--text-secondary);
}

.faq-item.active {
  border-color: var(--primary);
}

.faq-item.active .faq-toggle-icon {
  transform: rotate(45deg);
  color: var(--primary);
}

.faq-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease-out;
  background-color: var(--bg-secondary);
}

.faq-content {
  padding: 0 24px 24px 24px;
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* Testimonials / Trust Section */
.testimonials-section {
  background-color: var(--bg-dark);
  color: white;
}

.testimonials-section .section-header h2 {
  color: white;
}

.testimonials-section .section-header p {
  color: hsl(215, 20%, 75%);
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.review-card {
  background-color: var(--bg-dark-accent);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-lg);
  padding: 36px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.stars {
  display: flex;
  gap: 4px;
  margin-bottom: 20px;
  color: var(--accent);
}

.stars svg {
  width: 18px;
  height: 18px;
}

.review-text {
  font-size: 0.95rem;
  line-height: 1.6;
  color: hsl(215, 20%, 85%);
  margin-bottom: 24px;
  font-style: italic;
}

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

.reviewer-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: var(--bg-dark);
  border: 2px solid var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--accent);
  font-size: 0.95rem;
}

/* Quick Request Form (Hero card alternative) */
.quick-form-content {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.form-group-quick {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group-quick label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.form-group-quick select,
.form-group-quick input {
  width: 100%;
  padding: 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-color);
  background-color: white;
  color: var(--text-primary);
  font-size: 1rem;
  font-weight: 500;
  outline: none;
  transition: var(--transition-smooth);
}

.form-group-quick select:focus,
.form-group-quick input:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.form-group-quick select {
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='currentColor' stroke-width='2.5'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' d='M19.5 8.25l-7.5 7.5-7.5-7.5' /%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 16px;
  padding-right: 40px;
}

.reviewer-info h4 {
  font-size: 0.95rem;
  color: white;
  margin-bottom: 2px;
}

.reviewer-info p {
  font-size: 0.8rem;
  color: hsl(215, 20%, 70%);
}

/* Partners Logo Ribbon */
.partners-ribbon {
  background-color: var(--bg-secondary);
  border-bottom: 1px solid var(--border-color);
  padding: 30px 0;
  text-align: center;
}

.partners-title {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--text-secondary);
  margin-bottom: 20px;
  font-weight: 600;
}

.partners-logos {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 30px;
  opacity: 0.6;
}

.partner-logo {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  gap: 6px;
}

.partner-logo svg {
  width: 20px;
  height: 20px;
}

/* Footer styling */
footer {
  background-color: hsl(222, 47%, 6%);
  color: hsl(215, 20%, 75%);
  padding: 80px 0 30px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  margin-bottom: 64px;
}

.footer-brand h3 {
  color: white;
  margin-bottom: 16px;
}

.footer-brand h3 span {
  color: var(--accent);
}

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.6;
  margin-bottom: 24px;
  max-width: 320px;
}

.footer-col h4 {
  color: white;
  font-size: 0.95rem;
  margin-bottom: 24px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-col ul li a {
  font-size: 0.9rem;
  transition: var(--transition-smooth);
}

.footer-col ul li a:hover {
  color: white;
  padding-left: 4px;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.contact-item {
  display: flex;
  gap: 12px;
  font-size: 0.9rem;
}

.contact-item svg {
  color: var(--accent);
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  padding-top: 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  color: hsl(215, 20%, 55%);
}

.footer-legal-links {
  display: flex;
  gap: 24px;
}

.footer-legal-links a {
  transition: var(--transition-smooth);
}

.footer-legal-links a:hover {
  color: white;
}

/* Animations */
.scroll-reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1), transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: transform, opacity;
}

.scroll-reveal.active {
  opacity: 1;
  transform: translateY(0);
}

/* Staggered Children for Grid elements */
.scroll-reveal.active .benefit-card {
  opacity: 1;
  transform: translateY(0);
}
.scroll-reveal.active .benefit-card:nth-child(1) { transition-delay: 0.1s; }
.scroll-reveal.active .benefit-card:nth-child(2) { transition-delay: 0.25s; }
.scroll-reveal.active .benefit-card:nth-child(3) { transition-delay: 0.4s; }

.scroll-reveal.active .review-card {
  opacity: 1;
  transform: translateY(0);
}
.scroll-reveal.active .review-card:nth-child(1) { transition-delay: 0.1s; }
.scroll-reveal.active .review-card:nth-child(2) { transition-delay: 0.25s; }
.scroll-reveal.active .review-card:nth-child(3) { transition-delay: 0.4s; }

.scroll-reveal.active .partner-logo {
  opacity: 1;
  transform: translateY(0);
}
.scroll-reveal.active .partner-logo:nth-child(1) { transition-delay: 0.05s; }
.scroll-reveal.active .partner-logo:nth-child(2) { transition-delay: 0.15s; }
.scroll-reveal.active .partner-logo:nth-child(3) { transition-delay: 0.25s; }
.scroll-reveal.active .partner-logo:nth-child(4) { transition-delay: 0.35s; }

.scroll-reveal .benefit-card,
.scroll-reveal .review-card,
.scroll-reveal .partner-logo {
  opacity: 0;
  transform: translateY(25px);
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1), transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: transform, opacity;
}

/* Float Animations for icons and badges */
@keyframes float {
  0% { transform: translateY(0px); }
  50% { transform: translateY(-8px); }
  100% { transform: translateY(0px); }
}

.benefit-icon, .hero-content .badge {
  animation: float 4s ease-in-out infinite;
}

.hero-content .badge {
  animation-delay: 0.5s;
}

/* Shimmer animation for premium CTA hover state */
@keyframes shimmer {
  100% { left: 125%; }
}

.btn-primary, .btn-accent {
  position: relative;
  overflow: hidden;
}

.btn-primary::after, .btn-accent::after {
  content: '';
  position: absolute;
  top: -50%;
  left: -60%;
  width: 30%;
  height: 200%;
  background: rgba(255, 255, 255, 0.18);
  transform: rotate(30deg);
  transition: none;
}

.btn-primary:hover::after, .btn-accent:hover::after {
  animation: shimmer 1.2s cubic-bezier(0.16, 1, 0.3, 1) infinite;
}


/* Responsive Breakpoints */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  
  .hero {
    padding: 80px 0 100px 0;
  }
  
  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .reviews-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }
}

@media (max-width: 768px) {
  header {
    height: 70px;
  }
  
  .nav-container {
    height: 70px;
  }
  
  nav {
    position: fixed;
    top: 70px;
    left: -100%;
    width: 100%;
    height: calc(100vh - 70px);
    background-color: var(--bg-secondary);
    z-index: 99;
    transition: var(--transition-smooth);
    padding: 40px 24px;
    box-shadow: var(--shadow-lg);
  }
  
  nav.active {
    left: 0;
  }
  
  nav ul {
    flex-direction: column;
    gap: 24px;
  }
  
  nav ul li a {
    font-size: 1.15rem;
    display: block;
  }
  
  .menu-toggle {
    display: flex;
  }
  
  .menu-toggle.active span:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
  }
  
  .menu-toggle.active span:nth-child(2) {
    opacity: 0;
  }
  
  .menu-toggle.active span:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
  }
  
  .nav-cta {
    display: none;
  }
  
  .hero-content h1 {
    font-size: 2.25rem;
  }
  
  .benefits-grid {
    grid-template-columns: 1fr;
  }
  
  .reviews-grid {
    grid-template-columns: 1fr;
  }
  
  .form-grid {
    grid-template-columns: 1fr;
  }
  
  .form-group.full-width {
    grid-column: span 1;
  }
  
  .purpose-select-grid {
    grid-template-columns: 1fr;
    grid-column: span 1;
  }
  
  .wizard-container {
    padding: 24px;
  }
  
  .steps-indicator {
    padding: 0 10px;
  }
  
  .step-labels {
    font-size: 0.75rem;
  }
  
  .sim-results {
    grid-template-columns: 1fr;
  }
  
  .result-item.full-width {
    grid-column: span 1;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .footer-bottom {
    flex-direction: column;
    gap: 20px;
    text-align: center;
  }
}