:root {
    --primary-color: #0056b3;
    /* Trustworthy Banking Blue */
    --secondary-color: #28a745;
    /* Success Green */
    --background-color: #f8f9fa;
    --text-color: #212529;
    --border-radius: 12px;
    --box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    --transition: all 0.3s ease;
}

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

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    background-color: var(--background-color);
    color: var(--text-color);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

/* Header & Footer */

footer {
    background: #fff;
    padding: 1rem 2rem;
    text-align: center;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
}
header {
    background: transparent !important;
    box-shadow: none !important;
    padding: 0 !important;
    margin: 0 !important;

    display: flex !important;
    justify-content: flex-start !important;
    align-items: center !important;
    text-align: left !important;
}

header img {
    height: 92px !important;
    margin: 23px 0 0 32px !important; /* top right bottom left */
    display: block !important;
}

footer {
    margin-top: 2rem;
    font-size: 0.85rem;
    color: #6c757d;
}

/* Container & Layout */
.container {
    max-width: 1140px;
    margin: 2rem auto;
    padding: 0 1rem;
}

.hero-wrapper {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.hero-content {
    display: none;
    /* Mobile by default */
}

.card {
    background: #fff;
    border-radius: var(--border-radius);
    padding: 2.5rem;
    box-shadow: var(--box-shadow);
    border: 1px solid #e9ecef;
    width: 100%;
    max-width: 500px;
    margin: 0 auto;
}

h1 {
    font-size: 1.75rem;
    font-weight: 800;
    text-align: center;
    margin-bottom: 1rem;
    color: var(--primary-color);
}

p.subtitle {
    text-align: center;
    font-size: 1.1rem;
    color: #495057;
    margin-bottom: 2rem;
}

/* Form Styling */
.form-group {
    margin-bottom: 1.5rem;
}

label {
    display: block;
    font-weight: 600;
    margin-bottom: 0.5rem;
    font-size: 0.95rem;
}

input {
    width: 100%;
    padding: 1rem;
    font-size: 1.1rem;
    /* Large for accessibility */
    border: 2px solid #ced4da;
    border-radius: 8px;
    transition: var(--transition);
}

input:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 4px rgba(0, 86, 179, 0.1);
}

.btn {
    width: 100%;
    padding: 1.25rem;
    font-size: 1.25rem;
    font-weight: 700;
    color: #fff;
    background: linear-gradient(135deg, var(--primary-color), #003a7d);
    border: none;
    border-radius: 8px;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 1rem;
}

.btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 15px rgba(0, 86, 179, 0.3);
}

.btn:active {
    transform: translateY(0);
}

.btn:disabled {
    background: #adb5bd;
    cursor: not-allowed;
    transform: none;
    box-shadow: none;
}

/* Progress Area */
.steps-container {
    display: none;
    /* Controlled by JS */
}

.step-active {
    display: block;
}

/* Pre-approval Animation */
.pre-approved-wrap {
    text-align: center;
    padding: 2rem;
}

.status-icon {
    width: 80px;
    height: 80px;
    background: var(--secondary-color);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: #fff;
    font-size: 40px;
    animation: bounceIn 0.8s cubic-bezier(0.68, -0.55, 0.265, 1.55);
}

.status-icon svg {
    width: 50px;
    height: 50px;
    fill: none;
    stroke: currentColor;
    stroke-width: 3;
}

@keyframes bounceIn {
    0% {
        transform: scale(0);
        opacity: 0;
    }

    100% {
        transform: scale(1);
        opacity: 1;
    }
}

/* Mobile Adjustments */
@media (max-width: 576px) {
    .container {
        margin: 1rem auto;
    }

    .card {
        padding: 1.5rem;
        border-radius: 0;
        box-shadow: none;
        border: none;
    }

    h1 {
        font-size: 1.5rem;
    }
}

/* Informational Sections */
.info-section {
    padding: 3rem 1rem;
    background: #fff;
    margin-top: 2rem;
    border-top: 1px solid #e9ecef;
}

.info-container {
    max-width: 800px;
    margin: 0 auto;
}

.section-title {
    text-align: center;
    font-size: 2rem;
    font-weight: 700;
    margin-bottom: 2rem;
    color: var(--primary-color);
}

.grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-top: 2rem;
}

.feature-card {
    background: var(--background-color);
    padding: 2rem;
    border-radius: var(--border-radius);
    text-align: center;
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 20px rgba(0, 0, 0, 0.05);
}

.feature-icon {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    display: block;
}

.about-text {
    font-size: 1.1rem;
    line-height: 1.8;
    color: #495057;
    text-align: center;
}

/* Contact Footer */
.footer-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 2rem;
    text-align: left;
    max-width: 1000px;
    margin: 0 auto;
}

.footer-section h4 {
    margin-bottom: 1rem;
    color: var(--primary-color);
    font-weight: 700;
}

.footer-section p,
.footer-section a {
    color: #6c757d;
    text-decoration: none;
    font-size: 0.9rem;
    display: block;
    margin-bottom: 0.5rem;
}

@media (min-width: 992px) {
    .hero-wrapper {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
    }

    .hero-content {
        display: block;
        flex: 1;
        padding-right: 3rem;
    }

    .hero-content h2 {
        font-size: 3rem;
        line-height: 1.1;
        margin-bottom: 1.5rem;
        color: var(--primary-color);
        font-weight: 800;
    }

    .hero-content p {
        font-size: 1.25rem;
        color: #495057;
        margin-bottom: 2rem;
    }

    .trust-badges {
        display: flex;
        gap: 2rem;
        margin-top: 2rem;
    }

    .trust-badge {
        display: flex;
        align-items: center;
        gap: 0.5rem;
        font-weight: 600;
        font-size: 0.9rem;
        color: #6c757d;
    }

    .trust-badge svg {
        width: 24px;
        height: 24px;
        fill: var(--secondary-color);
    }

    .card {
        margin: 0;
    }

    .info-container {
        max-width: 1140px;
    }
}

/* Additional Content Sections */
.how-it-works {
    background: #fff;
    padding: 4rem 1rem;
}

.step-card {
    text-align: center;
    padding: 1.5rem;
}

.step-number {
    width: 50px;
    height: 50px;
    background: var(--primary-color);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    margin: 0 auto 1rem;
}

.faq-section {
    padding: 4rem 1rem;
    background: var(--background-color);
}

.faq-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.faq-item {
    background: #fff;
    padding: 2rem;
    border-radius: var(--border-radius);
    border: 1px solid #e9ecef;
}

.faq-item h4 {
    color: var(--primary-color);
    margin-bottom: 0.75rem;
    font-size: 1.1rem;
}

.faq-item p {
    font-size: 0.95rem;
    color: #6c757d;
}

/* Utilities */
.hidden {
    display: none;
}

.text-center {
    text-align: center;
}

.mt-4 {
    margin-top: 1.5rem;
}

@media (max-width: 768px) {
    .section-title {
        font-size: 1.75rem;
    }

    .footer-grid {
        text-align: center;
    }
}