/* ============================================================
   CAPITAL NEST — STYLES
   Mobile-first, pure CSS, CSS custom properties throughout
   ============================================================ */

/* ── Custom Properties ── */
:root {
  --bg-primary:    #0E0F11;
  --bg-secondary:  #16181C;
  --bg-tertiary:   #1E2025;
  --gold:          #F5C842;
  --gold-hover:    #E3B82E;
  --gold-tint:     rgba(245, 200, 66, 0.12);
  --gold-border:   rgba(245, 200, 66, 0.35);
  --text-primary:  #F0F2F5;
  --text-secondary:#9AA3B0;
  --text-tertiary: #5A6270;
  --border:        rgba(255, 255, 255, 0.07);
  --border-focus:  rgba(245, 200, 66, 0.45);
  --success:       #3DD68C;
  --error:         #F87171;

  --font-display: 'Sora', 'Inter', sans-serif;

  --radius-sm:  8px;
  --radius-md:  12px;
  --radius-lg:  20px;

  --transition-fast:   150ms ease;
  --transition-normal: 200ms ease;
  --transition-slow:   300ms ease;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-feature-settings: 'ss01' on;
  background: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

body.calc-open {
  overflow: hidden;
}

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

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

button {
  cursor: pointer;
  border: none;
  background: none;
  font-family: inherit;
  font-size: inherit;
  touch-action: manipulation;
  color: inherit;
}

/* ── Container ── */
.container {
  width: 100%;
  max-width: 1200px;
  margin-inline: auto;
  padding-inline: 20px;
}

@media (min-width: 768px) {
  .container { padding-inline: 32px; }
}

@media (min-width: 1280px) {
  .container { padding-inline: 48px; }
}

/* ── Section Spacing ── */
.section {
  padding: 96px 0;
}

@media (max-width: 768px) {
  .section {
    padding: 64px 0;
  }
}

/* ── Section Header ── */
.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
  justify-content: center;
}

.section-eyebrow::before {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.1;
  color: var(--text-primary);
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  font-size: 15px;
  font-weight: 600;
  line-height: 1;
  transition: background var(--transition-fast), color var(--transition-fast),
              transform var(--transition-fast), box-shadow var(--transition-fast),
              border-color var(--transition-fast);
  white-space: nowrap;
  touch-action: manipulation;
}

.btn:active { transform: scale(0.97); }

.btn--gold {
  background: var(--gold);
  color: #0E0F11;
  box-shadow: 0 0 0 0 rgba(245, 200, 66, 0);
}

.btn--gold:hover {
  background: var(--gold-hover);
  box-shadow: 0 4px 24px rgba(245, 200, 66, 0.25);
  transform: translateY(-1px);
}

.btn--gold:active {
  transform: translateY(0) scale(0.98);
}

.btn--full {
  width: 100%;
}

.btn--lg {
  padding: 16px 36px;
  font-size: 16px;
}

/* ============================================================
   NAV
   ============================================================ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 50;
  background: rgba(14,15,17,0.9);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 0;
}

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

.nav__wordmark {
  font-size: 20px;
  font-weight: 700;
  letter-spacing: -0.02em;
  user-select: none;
}

.nav__wordmark-capital { color: var(--text-primary); }
.nav__wordmark-nest    { color: var(--gold); }

.nav__logo-img {
  height: 36px;
  width: auto;
  display: block;
}

.nav__logo-img--footer {
  height: 30px;
  opacity: 0.85;
}

.nav__actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.nav__ghost-btn {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  transition: color var(--transition-fast), background var(--transition-fast);
  touch-action: manipulation;
}

.nav__ghost-btn:hover {
  color: var(--text-primary);
  background: rgba(255,255,255,0.06);
}

.nav__ghost-btn--desktop {
  display: none;
}

.nav__cta {
  padding: 10px 18px;
  font-size: 14px;
}

@media (min-width: 640px) {
  .nav__ghost-btn--desktop { display: inline-flex; }
  .nav__cta {
    padding: 11px 22px;
    font-size: 15px;
  }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  overflow: hidden;
  min-height: 100svh;
  background: var(--bg-primary);
  padding-top: 68px;
  display: flex;
  align-items: center;
}

.hero__bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 70% 50%, rgba(245,200,66,0.055) 0%, transparent 60%),
    linear-gradient(rgba(255,255,255,0.028) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.028) 1px, transparent 1px);
  background-size: auto, 48px 48px, 48px 48px;
  pointer-events: none;
  z-index: 0;
}

.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  padding-block: 48px;
}

@media (min-width: 1024px) {
  .hero__inner {
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap: 64px;
    padding-block: 64px;
  }
}

/* ── Hero Content (left) ── */
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold-tint);
  border: 1px solid var(--gold-border);
  border-radius: 999px;
  padding: 6px 14px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
  width: fit-content;
}

.hero__headline {
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 5.5vw, 4.8rem);
  font-weight: 800;
  line-height: 1.02;
  letter-spacing: -0.03em;
  color: var(--text-primary);
  margin-bottom: 24px;
}

.hero__sub {
  font-size: 17px;
  color: var(--text-secondary);
  line-height: 1.65;
  max-width: 480px;
  margin-bottom: 28px;
}

.hero__trust-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.trust-pill {
  font-size: 13px;
  color: var(--text-secondary);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 6px 14px;
  background: var(--bg-secondary);
}

/* ── Hero Form Wrap ── */
.hero__form-wrap {
  width: 100%;
}

/* ============================================================
   CALCULATOR TEASER CARD (replaces old form panel in hero)
   ============================================================ */
/* Hero intent card */
.hero-intent-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-top: 2px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: 0 4px 48px rgba(0, 0, 0, 0.5), 0 1px 0 rgba(255, 255, 255, 0.05) inset;
}

.hero-intent-card__eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.hero-intent-card__headline {
  font-size: 22px;
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.25;
  margin-bottom: 24px;
}

.hero-intent-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 20px;
}

/* Override option-card inside hero so it's slightly more compact */
.hero-intent-option {
  margin-bottom: 0 !important;
  cursor: pointer;
}

.hero-intent-card__trust {
  font-size: 12px;
  color: var(--text-tertiary);
  text-align: center;
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--bg-secondary);
  border-top: 1px solid rgba(245,200,66,0.15);
  border-bottom: 1px solid var(--border);
  padding: 28px 0;
}

.trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.trust-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
  padding: 8px 24px;
  border-right: 1px solid var(--border);
}

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

@media (max-width: 640px) {
  .trust-bar__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-stat:nth-child(2) {
    border-right: none;
  }

  .trust-stat:nth-child(3) {
    border-right: 1px solid var(--border);
    border-top: 1px solid var(--border);
  }

  .trust-stat:nth-child(4) {
    border-right: none;
    border-top: 1px solid var(--border);
  }
}

.trust-stat__number {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--gold);
  font-variant-numeric: tabular-nums;
  line-height: 1;
}

.trust-stat__label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-tertiary);
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.steps {
  display: flex;
  flex-direction: column;
  gap: 12px;
  position: relative;
}

@media (min-width: 768px) {
  .steps {
    flex-direction: row;
    align-items: flex-start;
  }
}

.step {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 28px 20px;
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  gap: 12px;
  position: relative;
  z-index: 1;
  transition: border-color var(--transition-normal), transform var(--transition-normal);
}

.step:hover {
  border-color: var(--gold-border);
  transform: translateY(-2px);
}

.step__number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 1.5px solid rgba(245,200,66,0.4);
  background: rgba(245,200,66,0.08);
  color: var(--gold);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.05em;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  font-family: var(--font-display);
  flex-shrink: 0;
}

.step__title {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-primary);
}

.step__body {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.65;
  max-width: 240px;
}

@media (min-width: 768px) {
  .steps {
    position: relative;
  }

  .steps::before {
    content: '';
    position: absolute;
    top: 52px;
    left: calc(16.66% + 20px);
    right: calc(16.66% + 20px);
    height: 1px;
    background: linear-gradient(to right, transparent, rgba(245,200,66,0.3) 20%, rgba(245,200,66,0.3) 80%, transparent);
    z-index: 0;
  }

  .step {
    position: relative;
    z-index: 1;
  }
}

/* ============================================================
   FEATURE CARDS
   ============================================================ */
.features {
  background: var(--bg-primary);
}

.feature-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

@media (min-width: 768px) {
  .feature-cards {
    grid-template-columns: repeat(3, 1fr);
  }
}

.feature-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: border-color 200ms ease, transform 200ms ease, box-shadow 200ms ease;
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 3px;
  background: var(--gold);
  border-radius: 0 2px 2px 0;
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform 250ms cubic-bezier(0.4, 0, 0.2, 1);
}

.feature-card:hover::before {
  transform: scaleY(1);
}

.feature-card:hover {
  border-color: rgba(245,200,66,0.2);
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.35);
}

.feature-card__icon-wrap {
  width: 48px;
  height: 48px;
  background: rgba(245,200,66,0.1);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  transition: background 200ms ease;
}

.feature-card:hover .feature-card__icon-wrap {
  background: rgba(245,200,66,0.18);
}

.feature-card__title {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}

.feature-card__body {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.65;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials {
  background: var(--bg-secondary);
  position: relative;
  overflow: hidden;
}

.testimonials__deco {
  position: absolute;
  top: 20px;
  left: 50%;
  transform: translateX(-50%);
  font-family: var(--font-display);
  font-size: clamp(160px, 20vw, 280px);
  font-weight: 800;
  color: rgba(245,200,66,0.04);
  line-height: 1;
  pointer-events: none;
  user-select: none;
  z-index: 0;
}

.testimonials .container {
  position: relative;
  z-index: 1;
}

.testimonial-track {
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
  -webkit-overflow-scrolling: touch;
  margin-inline: -20px;
  padding-inline: 20px;
}

.testimonial-track::-webkit-scrollbar {
  display: none;
}

.testimonial-cards {
  display: flex;
  gap: 20px;
  width: max-content;
  padding-bottom: 4px;
}

@media (min-width: 768px) {
  .testimonial-track {
    overflow-x: visible;
    margin-inline: 0;
    padding-inline: 0;
  }

  .testimonial-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    width: 100%;
  }
}

.testimonial-card {
  background: var(--bg-tertiary);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  width: 280px;
  flex-shrink: 0;
  scroll-snap-align: start;
  transition: border-color var(--transition-normal), transform var(--transition-normal);
}

.testimonial-card:hover {
  border-color: var(--gold-border);
  transform: translateY(-2px);
}

@media (min-width: 768px) {
  .testimonial-card { width: auto; }
}

.testimonial-card__stars {
  font-size: 14px;
  letter-spacing: 2px;
  color: var(--gold);
  margin-bottom: 14px;
}

.testimonial-card__quote {
  font-size: 15px;
  line-height: 1.7;
  color: var(--text-secondary);
  font-style: normal;
  margin-bottom: 20px;
  position: relative;
  flex: 1;
}

.testimonial-card__author {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.testimonial-card__name {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-primary);
}

.testimonial-card__location {
  font-size: 13px;
  color: var(--text-tertiary);
}

/* ============================================================
   FAQ
   ============================================================ */
.faq {
  background: var(--bg-primary);
}

.faq-list {
  max-width: 720px;
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

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

.faq-item.faq-item--open {
  border-color: rgba(245,200,66,0.25);
}

.faq-item--open .faq-item__trigger {
  color: var(--text-primary);
}

.faq-item__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-primary);
  text-align: left;
  transition: color var(--transition-fast);
  touch-action: manipulation;
}

.faq-item__trigger:hover { color: var(--gold); }

.faq-item__chevron {
  flex-shrink: 0;
  color: var(--text-tertiary);
  transition: transform var(--transition-normal), color var(--transition-normal);
  display: flex;
  align-items: center;
}

.faq-item--open .faq-item__chevron {
  transform: rotate(180deg);
  color: var(--gold);
}

.faq-item__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow);
}

.faq-item__body p {
  padding: 0 20px 18px;
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.7;
  border-left: 2px solid rgba(245,200,66,0.3);
  padding-left: 16px;
  margin-left: 20px;
}

/* ============================================================
   FINAL CTA
   ============================================================ */
.final-cta {
  position: relative;
  overflow: hidden;
  background: var(--bg-primary);
  border-top: 1px solid var(--border);
}

.final-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 60% at 50% 100%, rgba(245,200,66,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.final-cta__inner {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: 96px 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.final-cta__headline {
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 4vw, 3.2rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  color: var(--text-primary);
  margin-bottom: 16px;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.final-cta__sub {
  font-size: 17px;
  color: var(--text-secondary);
  margin-bottom: 36px;
  max-width: 500px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--bg-primary);
  border-top: 1px solid var(--border);
  padding: 56px 0 32px;
}

.footer__inner {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.footer__top {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

@media (min-width: 640px) {
  .footer__top {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
}

.footer__wordmark {
  font-size: 18px;
}

.footer__nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  align-items: center;
}

.footer__nav-link {
  font-size: 14px;
  color: var(--text-secondary);
  transition: color var(--transition-fast);
}

.footer__nav-link:hover { color: var(--text-primary); }

.footer__nav-btn {
  padding: 0;
  font-size: 14px;
  color: var(--text-secondary);
  transition: color var(--transition-fast);
  cursor: pointer;
}

.footer__nav-btn:hover { color: var(--text-primary); }

.footer__divider {
  height: 1px;
  background: var(--border);
}

.footer__bottom {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

@media (min-width: 640px) {
  .footer__bottom {
    flex-direction: row;
    align-items: flex-start;
    justify-content: space-between;
    gap: 40px;
  }
}

.footer__disclaimer {
  font-size: 12px;
  color: var(--text-tertiary);
  line-height: 1.7;
  max-width: 520px;
}

.footer__contact {
  display: flex;
  flex-direction: column;
  gap: 4px;
  text-decoration: none;
  flex-shrink: 0;
  transition: opacity var(--transition-fast);
}

.footer__contact:hover { opacity: 0.75; }

.footer__contact-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-tertiary);
}

.footer__contact-number {
  font-size: 17px;
  font-weight: 600;
  color: var(--text-primary);
  letter-spacing: 0.01em;
  font-family: var(--font-display);
}

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

/* ============================================================
   MOBILE STICKY CTA
   ============================================================ */
.mobile-sticky {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 40;
  background: var(--bg-secondary);
  border-top: 1px solid var(--border);
  padding: 12px 20px;
  padding-bottom: max(12px, env(safe-area-inset-bottom));
  transform: translateY(100%);
  transition: transform 350ms cubic-bezier(0.34, 1.56, 0.64, 1);
  pointer-events: none;
}

.mobile-sticky.mobile-sticky--visible {
  transform: translateY(0);
  pointer-events: auto;
}

@media (min-width: 1024px) {
  .mobile-sticky { display: none; }
}

/* ============================================================
   SCROLL REVEAL ANIMATIONS
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 600ms ease, transform 600ms ease;
}

.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

.reveal-stagger > * {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 500ms ease, transform 500ms ease;
}

.reveal-stagger.revealed > * {
  opacity: 1;
  transform: translateY(0);
}

.reveal-stagger.revealed > *:nth-child(1) { transition-delay: 0ms; }
.reveal-stagger.revealed > *:nth-child(2) { transition-delay: 80ms; }
.reveal-stagger.revealed > *:nth-child(3) { transition-delay: 160ms; }
.reveal-stagger.revealed > *:nth-child(4) { transition-delay: 240ms; }
.reveal-stagger.revealed > *:nth-child(5) { transition-delay: 320ms; }


/* ============================================================
   CALCULATOR SCREENS
   ============================================================ */
.screen {
  position: fixed;
  inset: 0;
  z-index: 100;
  background: var(--bg-primary);
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 350ms cubic-bezier(0.4, 0, 0.2, 1);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.screen.active {
  transform: translateX(0);
}

.screen.exit-left {
  transform: translateX(-100%);
}

/* Screen Header */
.screen-header {
  position: sticky;
  top: 0;
  background: var(--bg-primary);
  border-bottom: 1px solid var(--border);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  z-index: 10;
  padding-top: calc(16px + env(safe-area-inset-top));
  flex-shrink: 0;
}

.screen-nav-btn {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-tertiary);
  transition: color var(--transition-fast), background var(--transition-fast);
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  flex-shrink: 0;
}

.screen-nav-btn:hover {
  color: var(--text-primary);
  background: var(--bg-secondary);
}

.screen-nav-btn:active {
  transform: scale(0.92);
}

/* Progress bar in Screen 1 header */
.progress-bar-track {
  height: 3px;
  background: var(--bg-tertiary);
  border-radius: 99px;
  flex: 1;
  margin: 0 16px;
}

.progress-bar-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 99px;
  transition: width 400ms ease;
}

/* Gold label in header (screens 2–4) */
.screen-header-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}

/* Screen Content */
.screen-content {
  flex: 1;
  padding: 40px 20px;
  max-width: 480px;
  margin: 0 auto;
  width: 100%;
  padding-bottom: calc(40px + env(safe-area-inset-bottom));
}

/* Screen Headline / Subtext */
.screen-headline {
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.2;
  margin-bottom: 10px;
}

.screen-subtext {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 32px;
}

/* Screen CTA button */
.screen-cta-btn {
  height: 56px;
  border-radius: 14px;
  font-size: 16px;
  margin-top: 8px;
}

.screen-cta-btn--results {
  height: 60px;
  border-radius: 16px;
  font-size: 17px;
  font-weight: 700;
  margin-top: 24px;
}

/* Trust note below CTA */
.screen-trust-note {
  font-size: 12px;
  color: var(--text-tertiary);
  text-align: center;
  margin-top: 12px;
}

.btn-not-sure {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  width: 100%;
  background: var(--bg-tertiary);
  border: 1px dashed rgba(255,255,255,0.12);
  border-radius: 10px;
  color: var(--text-secondary);
  font-size: 13px;
  font-weight: 500;
  text-align: center;
  padding: 13px 16px;
  margin-top: 10px;
  cursor: pointer;
  touch-action: manipulation;
  transition: border-color 150ms ease, color 150ms ease, background 150ms ease;
}

.btn-not-sure::before {
  content: '💡';
  font-size: 14px;
}

.btn-not-sure:hover {
  border-color: rgba(245,200,66,0.3);
  color: var(--text-primary);
  background: rgba(245,200,66,0.05);
}

/* ============================================================
   QUESTION PANE (Screen 1)
   ============================================================ */
.question-pane {
  animation: none;
}

.question-pane.fade-out {
  opacity: 0;
  transition: opacity 200ms ease;
}

.question-pane.fade-in {
  opacity: 1;
  transition: opacity 200ms ease;
}

.step-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-tertiary);
  margin-bottom: 16px;
}

.question-title {
  font-size: clamp(1.5rem, 4vw, 2rem);
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.2;
  margin-bottom: 28px;
}

/* Option Cards */
.option-cards {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.option-card {
  background: var(--bg-secondary);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  padding: 20px;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 16px;
  transition: all 180ms ease;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  user-select: none;
}

.option-card:hover {
  border-color: var(--gold-border);
  background: var(--bg-tertiary);
}

.option-card:active {
  transform: scale(0.98);
}

.option-card.selected {
  border-color: var(--gold);
  background: rgba(245, 200, 66, 0.07);
}

/* Icon box */
.option-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--bg-tertiary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}

/* Option Text */
.option-text {
  flex: 1;
  min-width: 0;
}

.option-title {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-primary);
  line-height: 1.3;
  margin-bottom: 3px;
}

.option-sub {
  font-size: 13px;
  color: var(--text-secondary);
  line-height: 1.4;
}

/* Radio indicator */
.radio {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid var(--text-tertiary);
  margin-left: auto;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 180ms ease;
}

.option-card.selected .radio {
  border-color: var(--gold);
  background: var(--gold);
}

.option-card.selected .radio::after {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--bg-primary);
}

/* ============================================================
   FIELDS (Screen 2 + Screen 4)
   ============================================================ */
.field-group {
  margin-bottom: 20px;
}

.field-label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-secondary);
  margin-bottom: 8px;
}

.field-helper {
  display: block;
  font-size: 12px;
  color: var(--text-tertiary);
  margin-top: 6px;
}

.field-error {
  display: block;
  font-size: 12px;
  color: var(--error);
  margin-top: 5px;
  min-height: 16px;
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.input-wrap--prefix .input { padding-left: 36px; }
.input-wrap--suffix .input { padding-right: 36px; }

.input-affix {
  position: absolute;
  font-size: 15px;
  color: var(--text-tertiary);
  pointer-events: none;
  user-select: none;
  z-index: 1;
}

.input-affix--prefix { left: 13px; }
.input-affix--suffix { right: 13px; }

.input {
  width: 100%;
  height: 60px;
  background: var(--bg-tertiary);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 0 14px;
  font-size: 16px;
  font-family: inherit;
  color: var(--text-primary);
  outline: none;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
  -webkit-appearance: none;
}

.input::placeholder {
  color: var(--text-tertiary);
}

.input:focus {
  border-color: var(--border-focus);
  box-shadow: 0 0 0 3px rgba(245, 200, 66, 0.1);
}

.input.input--error {
  border-color: var(--error);
  box-shadow: 0 0 0 3px rgba(248, 113, 113, 0.1);
}

/* ============================================================
   PILL SELECTORS (term, call time)
   ============================================================ */
.pill-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.pill-row--scroll {
  flex-wrap: nowrap;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  -ms-overflow-style: none;
  padding-bottom: 2px;
}

.pill-row--scroll::-webkit-scrollbar {
  display: none;
}

.pill-option {
  padding: 10px 18px;
  border-radius: 99px;
  border: 1.5px solid var(--border);
  background: var(--bg-tertiary);
  color: var(--text-secondary);
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  transition: all 180ms ease;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  white-space: nowrap;
  flex-shrink: 0;
  font-family: inherit;
}

.pill-option:hover {
  border-color: var(--gold-border);
  color: var(--text-primary);
}

.pill-option:active {
  transform: scale(0.96);
}

.pill-option.selected {
  background: var(--gold);
  color: var(--bg-primary);
  border-color: var(--gold);
  font-weight: 600;
}

/* ============================================================
   RESULTS SCREEN (Screen 3)
   ============================================================ */

/* Hero savings card */
.results-hero-card {
  background: linear-gradient(135deg, rgba(245,200,66,0.08) 0%, rgba(245,200,66,0.02) 100%);
  border: 1px solid rgba(245,200,66,0.2);
  border-radius: 20px;
  padding: 32px 24px;
  text-align: center;
  margin-bottom: 20px;
  box-shadow: 0 0 40px rgba(245,200,66,0.05);
}

.results-hero-card__label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.results-hero-card__amount {
  font-size: clamp(3.5rem, 12vw, 5rem);
  font-weight: 700;
  color: var(--gold);
  font-variant-numeric: tabular-nums;
  line-height: 1;
  margin-bottom: 6px;
}

.results-hero-card__unit {
  font-size: 16px;
  color: var(--text-secondary);
  margin-bottom: 12px;
}

.results-cashback-badge {
  display: inline-block;
  background: rgba(61,214,140,0.1);
  border: 1px solid rgba(61,214,140,0.3);
  color: #3DD68C;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 5px 14px;
  border-radius: 99px;
  margin-bottom: 24px;
}

.results-hero-card__divider {
  height: 1px;
  background: rgba(255,255,255,0.07);
  margin-bottom: 20px;
}

.results-secondary-row {
  display: flex;
  justify-content: center;
  gap: 40px;
  margin-bottom: 16px;
}

.results-secondary-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}

.results-secondary-stat__value {
  font-size: 20px;
  font-weight: 600;
  color: var(--text-primary);
  font-variant-numeric: tabular-nums;
}

.results-secondary-stat__label {
  font-size: 12px;
  color: var(--text-secondary);
}

.results-new-rate {
  font-size: 14px;
  color: var(--text-secondary);
}

.results-new-rate strong {
  color: var(--text-primary);
  font-weight: 600;
}

/* Context cards row */
.results-context-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 20px;
}

@media (max-width: 360px) {
  .results-context-cards {
    grid-template-columns: repeat(2, 1fr);
  }
}

.results-context-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 14px 12px;
}

.results-context-card__label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-tertiary);
  margin-bottom: 6px;
}

.results-context-card__value {
  font-size: 13px;
  font-weight: 500;
  color: var(--text-primary);
  line-height: 1.3;
}

.results-disclaimer {
  font-size: 11px;
  color: var(--text-tertiary);
  text-align: center;
  line-height: 1.6;
  margin-bottom: 4px;
}

/* Cashback offer card */
.cashback-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: linear-gradient(135deg, rgba(245,200,66,0.1) 0%, rgba(245,200,66,0.04) 100%);
  border: 1px solid rgba(245,200,66,0.25);
  border-radius: 14px;
  padding: 16px 18px;
  margin-bottom: 16px;
}

.cashback-card__icon {
  font-size: 26px;
  flex-shrink: 0;
  line-height: 1;
}

.cashback-card__title {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 3px;
}

.cashback-card__desc {
  font-size: 12px;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* ── Rate comparison chart ── */
.rate-chart {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 20px 20px 16px;
  margin-bottom: 16px;
}

.rate-chart__title {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--text-tertiary);
  margin-bottom: 16px;
}

.rate-chart__rows {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.rate-chart__row-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 7px;
}

.rate-chart__label {
  font-size: 13px;
  font-weight: 500;
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  gap: 6px;
}

.rate-chart__label--gold {
  color: var(--text-primary);
  font-weight: 600;
}

.rate-chart__sublabel {
  font-size: 11px;
  color: var(--text-tertiary);
  font-weight: 400;
}

.rate-chart__best-badge {
  font-size: 10px;
  font-weight: 600;
  background: rgba(245,200,66,0.15);
  color: var(--gold);
  padding: 2px 8px;
  border-radius: 99px;
  letter-spacing: 0.02em;
}

.rate-chart__value {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-secondary);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.rate-chart__value--gold {
  color: var(--gold);
  font-size: 15px;
}

/* Track + animated fill bar */
.rate-chart__bar-track {
  height: 10px;
  background: var(--bg-tertiary);
  border-radius: 99px;
  overflow: hidden;
}

.rate-chart__bar {
  height: 100%;
  border-radius: 99px;
  width: 0%;
  transition: width 1s cubic-bezier(0.4, 0, 0.2, 1);
}

.rate-chart__bar--current  { background: #4A5260; }
.rate-chart__bar--industry { background: #7A8494; }
.rate-chart__bar--cn       {
  background: linear-gradient(90deg, #E3B82E 0%, #F5C842 100%);
  box-shadow: 0 0 8px rgba(245,200,66,0.4);
}

/* Highlighted row for Capital Nest */
.rate-chart__row--highlight .rate-chart__bar-track {
  height: 13px;
  background: rgba(245,200,66,0.08);
  border: 1px solid rgba(245,200,66,0.15);
}

.rate-chart__note {
  font-size: 11px;
  color: var(--text-tertiary);
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}

/* ── Sticky CTA at bottom of screen-3 ── */
.screen-sticky-cta {
  position: sticky;
  bottom: 0;
  background: var(--bg-primary);
  border-top: 1px solid var(--border);
  padding: 14px 20px;
  padding-bottom: calc(14px + env(safe-area-inset-bottom));
  z-index: 5;
}

.screen-sticky-cta__inner {
  max-width: 480px;
  margin: 0 auto;
}

/* Add padding-bottom to screen-3 content so last item isn't hidden behind sticky CTA */
#screen-3 .screen-content {
  padding-bottom: 8px;
}

/* ============================================================
   SUCCESS STATE (Screen 4)
   ============================================================ */
.screen-success {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 40px 24px;
  text-align: center;
  max-width: 440px;
  margin: 0 auto;
  width: 100%;
}

.success-checkmark {
  margin-bottom: 28px;
}

.success-circle-draw {
  animation: drawCircle 600ms cubic-bezier(0.4, 0, 0.2, 1) forwards;
  transform-origin: center;
  transform: rotate(-90deg);
}

.success-check-draw {
  animation: drawCheck 400ms cubic-bezier(0.4, 0, 0.2, 1) 500ms forwards;
}

@keyframes drawCircle {
  from { stroke-dashoffset: 213.6; }
  to   { stroke-dashoffset: 0; }
}

@keyframes drawCheck {
  from { stroke-dashoffset: 50; }
  to   { stroke-dashoffset: 0; }
}

.success-title {
  font-size: 2rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 12px;
}

.success-body {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 32px;
}

.success-back-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--gold);
  cursor: pointer;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  transition: background var(--transition-fast);
}

.success-back-link:hover {
  background: var(--gold-tint);
}

/* ============================================================
   UTILITY
   ============================================================ */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ============================================================
   NEW LOAN FLOW — SHARED CLASS ALIASES
   (option-card__text/title/subtitle mirror option-text/title/sub)
   ============================================================ */

.option-card__text {
  flex: 1;
  min-width: 0;
}

.option-card__title {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-primary);
  line-height: 1.3;
  margin-bottom: 3px;
}

.option-card__subtitle {
  font-size: 13px;
  color: var(--text-secondary);
  line-height: 1.4;
}

/* Step label used in new loan screens */
.screen-step-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-tertiary);
  margin-bottom: 16px;
}

/* ============================================================
   CAPACITY CHART (Screen 3N)
   ============================================================ */

.capacity-chart {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 28px 20px 24px;
}

/* ── Labels row (amounts above bar) ── */
.capacity-chart__labels {
  display: flex;
  justify-content: space-between;
  margin-bottom: 18px;
}

.capacity-chart__label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  flex: 1;
}

.capacity-chart__label-amount {
  font-size: 15px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: var(--text-primary);
  line-height: 1;
}

.capacity-chart__label--comfortable .capacity-chart__label-amount { color: #3DD68C; }
.capacity-chart__label--ideal       .capacity-chart__label-amount { color: var(--gold); font-size: 18px; }
.capacity-chart__label--max         .capacity-chart__label-amount { color: #F87171; }

.capacity-chart__label-name {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-tertiary);
}

.capacity-chart__label--ideal .capacity-chart__label-name {
  color: var(--gold);
}

/* ── Gradient bar ── */
.capacity-chart__bar-wrap {
  margin-bottom: 20px;
}

.capacity-chart__bar {
  position: relative;
  height: 12px;
  border-radius: 99px;
  background: linear-gradient(
    to right,
    #3DD68C 0%,
    #7ED957 15%,
    var(--gold) 50%,
    #F59E0B 75%,
    #F87171 100%
  );
  overflow: visible;
}

/* Animated fill overlay that starts from left and reveals the bar */
.capacity-chart__fill {
  position: absolute;
  inset: 0;
  background: var(--bg-secondary);
  border-radius: 99px;
  transform-origin: right center;
  transition: transform 1.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.capacity-chart__fill.revealed {
  transform: scaleX(0);
}

/* Marker dot at the "sweet spot" (50% along) */
.capacity-chart__marker {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%) scale(0);
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--bg-secondary);
  box-shadow: 0 0 0 3px rgba(245,200,66,0.35), 0 2px 8px rgba(0,0,0,0.4);
  transition: transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1) 1.2s;
  z-index: 2;
}

.capacity-chart__marker.revealed {
  transform: translate(-50%, -50%) scale(1);
}

/* Tick labels below bar */
.capacity-chart__ticks {
  display: flex;
  justify-content: space-between;
  margin-top: 8px;
}

.capacity-chart__tick {
  font-size: 10px;
  color: var(--text-tertiary);
  letter-spacing: 0.04em;
}

/* ── Repayment pills row ── */
.capacity-chart__repayments {
  display: flex;
  gap: 8px;
}

.capacity-repayment {
  flex: 1;
  border-radius: 12px;
  padding: 12px 10px;
  text-align: center;
  border: 1px solid var(--border);
}

.capacity-repayment--comfortable {
  background: rgba(61,214,140,0.07);
  border-color: rgba(61,214,140,0.2);
}

.capacity-repayment--ideal {
  background: rgba(245,200,66,0.08);
  border-color: rgba(245,200,66,0.25);
}

.capacity-repayment--max {
  background: rgba(248,113,113,0.07);
  border-color: rgba(248,113,113,0.2);
}

.capacity-repayment__amount {
  font-size: 13px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  margin-bottom: 4px;
}

.capacity-repayment--comfortable .capacity-repayment__amount { color: #3DD68C; }
.capacity-repayment--ideal       .capacity-repayment__amount { color: var(--gold); font-size: 15px; }
.capacity-repayment--max         .capacity-repayment__amount { color: #F87171; }

.capacity-repayment__label {
  font-size: 9px;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--text-tertiary);
}

/* pill-row wrap variant */
.pill-row--wrap {
  flex-wrap: wrap;
}

/* suffix label inside input */
.input-affix--suffix-label {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 13px;
  color: var(--text-tertiary);
  pointer-events: none;
}

/* ── Hero intent card refinements ── */
.hero-intent-card {
  border-top: 2px solid var(--gold);
}

.hero-intent-option .option-icon {
  background: rgba(245,200,66,0.1);
}