/* styles.css */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{
  --bg:#fafafa;
  --surface:#ffffff;
  --surface2:#f5f5f5;
  --surface3:#ebebeb;
  --border:#e0e0e0;
  --border-active:#000;
  --accent:#000;
  --accent-soft:rgba(0,0,0,0.06);
  --accent-med:rgba(0,0,0,0.12);
  --text:#111;
  --text-secondary:#555;
  --text-muted:#999;
  --green:#1a8a5c;
  --green-bg:rgba(26,138,92,0.08);
  --green-border:rgba(26,138,92,0.2);
  --red:#c0392b;
  --red-bg:rgba(192,57,43,0.06);
  --blue:#2c5282;
  --orange:#d97706;
  --orange-bg:rgba(217,119,6,0.08);
  --orange-border:rgba(217,119,6,0.2);
  --radius:10px;
  --radius-lg:16px;
  --shadow:0 1px 3px rgba(0,0,0,0.06),0 4px 16px rgba(0,0,0,0.04);
  --shadow-lg:0 4px 24px rgba(0,0,0,0.08);
  --font-display:'DM Serif Display',Georgia,serif;
  --font-body:'DM Sans',system-ui,sans-serif;
  --transition:0.2s cubic-bezier(0.4,0,0.2,1);
}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--font-body);background:var(--bg);color:var(--text);min-height:100vh;overflow-x:hidden;font-size:15px;line-height:1.6}

/* ── Top Bar ── */
.top-bar{
  position:fixed;top:0;left:0;right:0;z-index:100;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  border-bottom:1px solid var(--border);
  display:flex;align-items:center;justify-content:space-between;
  padding:0 24px;height:52px;
}
.top-logo{
  font-family:var(--font-display);font-size:15px;letter-spacing:-0.01em;color:var(--text);
}
.lang-toggle{
  display:flex;border:1px solid var(--border);border-radius:100px;padding:2px;gap:1px;
}
.lang-btn{
  padding:4px 14px;border-radius:100px;border:none;background:transparent;
  color:var(--text-muted);font-family:var(--font-body);font-size:12px;font-weight:600;
  cursor:pointer;transition:all var(--transition);letter-spacing:0.04em;
}
.lang-btn.active{background:var(--accent);color:#fff}
.live-pill{display:flex;align-items:center;gap:6px;font-size:11px;color:var(--text-muted);font-weight:500}
.live-dot{width:5px;height:5px;background:var(--green);border-radius:50%;animation:pulse 2.5s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:0.3}}

/* ── Rate Ribbon ── */
.rate-ribbon{
  position:fixed;top:52px;left:0;right:0;z-index:99;
  background:var(--surface);border-bottom:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;gap:28px;
  padding:6px 24px;overflow-x:auto;
  scrollbar-width:none;-ms-overflow-style:none;
}
.rate-ribbon::-webkit-scrollbar{display:none}
.rate-item{display:flex;align-items:center;gap:8px;flex-shrink:0}
.rate-item-label{font-size:10px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:var(--text-muted)}
.rate-item-val{font-family:var(--font-display);font-size:18px;color:var(--text)}
.rate-change{font-size:10px;font-weight:600}
.rate-change.down{color:var(--green)}
.rate-change.up{color:var(--red)}
.rate-divider{width:1px;height:22px;background:var(--border)}
.rate-source{font-size:10px;color:var(--text-muted);margin-left:auto;white-space:nowrap}
.rate-source a{color:var(--text-secondary);text-decoration:none;border-bottom:1px solid var(--border)}
.rate-source a:hover{color:var(--text);border-color:var(--text)}

/* ── Hero ── */
.hero{
  position:relative;padding:130px 24px 48px;text-align:center;max-width:720px;margin:0 auto;
  transition:all 0.4s ease;overflow:hidden;
}
.hero.collapsed{
  padding:100px 24px 16px;
}
.hero.collapsed .hero-eyebrow,
.hero.collapsed .hero-sub{
  display:none;
}
.hero.collapsed h1{
  font-size:clamp(20px,3.5vw,28px);
  margin-bottom:0;
}
.hero-eyebrow{
  font-size:11px;font-weight:600;letter-spacing:0.18em;text-transform:uppercase;
  color:var(--text-muted);margin-bottom:20px;
}
.hero h1{
  font-family:var(--font-display);font-size:clamp(32px,5.5vw,56px);
  line-height:1.12;font-weight:400;margin-bottom:16px;letter-spacing:-0.02em;
  transition:font-size 0.4s ease;
}
.hero h1 em{font-style:italic}
.hero-sub{
  font-size:16px;color:var(--text-secondary);font-weight:300;line-height:1.7;
  max-width:480px;margin:0 auto 40px;
}

/* ── Progress ── */
.progress-wrap{max-width:560px;margin:0 auto 28px;padding:0 24px}
.progress-steps{display:flex;align-items:center;justify-content:center}
.p-step{display:flex;flex-direction:column;align-items:center;gap:8px;position:relative;flex:1}
.p-step:not(:last-child)::after{
  content:'';position:absolute;top:16px;left:50%;width:100%;height:1.5px;
  background:var(--border);z-index:0;transition:background 0.4s;
}
.p-step.completed:not(:last-child)::after{background:var(--accent)}
.p-dot{
  width:32px;height:32px;border-radius:50%;border:1.5px solid var(--border);
  background:var(--surface);display:flex;align-items:center;justify-content:center;
  font-size:12px;font-weight:700;color:var(--text-muted);transition:all 0.3s;
  position:relative;z-index:1;
}
.p-step.active .p-dot{border-color:var(--accent);background:var(--accent);color:#fff;box-shadow:0 0 0 4px rgba(0,0,0,0.06)}
.p-step.completed .p-dot{border-color:var(--accent);background:var(--accent);color:#fff}
.p-label{font-size:10px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:var(--text-muted);white-space:nowrap}
.p-step.active .p-label{color:var(--text)}
.p-step.completed .p-label{color:var(--text-secondary)}

/* ── Wizard ── */
.wizard{position:relative;max-width:720px;margin:0 auto;padding:0 24px 80px}
.step-panel{display:none;animation:fadeUp 0.35s ease}
.step-panel.active{display:block}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}

.step-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow);
}
.step-title{font-family:var(--font-display);font-size:26px;font-weight:400;margin-bottom:6px;letter-spacing:-0.01em}
.step-sub{font-size:14px;color:var(--text-secondary);margin-bottom:32px;font-weight:300}

/* ── Option Cards ── */
.option-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:28px}
@media(max-width:560px){.option-grid{grid-template-columns:1fr}}

.option-card{
  background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius);
  padding:18px 20px;cursor:pointer;transition:all var(--transition);display:flex;flex-direction:column;gap:6px;
}
.option-card:hover{border-color:#bbb;background:var(--surface2)}
.option-card.selected{border-color:var(--accent);background:var(--accent-soft);box-shadow:0 0 0 3px rgba(0,0,0,0.04)}

.option-icon{
  width:36px;height:36px;border-radius:8px;background:var(--surface2);
  display:flex;align-items:center;justify-content:center;margin-bottom:4px;
}
.option-icon svg{width:18px;height:18px;stroke:var(--text);stroke-width:1.5;fill:none}

.option-title{font-size:14px;font-weight:600;color:var(--text)}
.option-desc{font-size:12px;color:var(--text-muted);line-height:1.5}
.option-badge{
  display:inline-block;background:var(--green-bg);color:var(--green);
  border:1px solid var(--green-border);padding:2px 9px;border-radius:100px;
  font-size:10px;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;margin-top:2px;
}

/* ── Sliders ── */
.slider-field{margin-bottom:28px}
.slider-header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.slider-label{font-size:12px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:var(--text-secondary)}
.slider-value{font-family:var(--font-display);font-size:24px;color:var(--text)}
.slider-value small{font-family:var(--font-body);font-size:12px;color:var(--text-muted);margin-left:4px}

input[type=range]{
  -webkit-appearance:none;width:100%;height:3px;background:var(--surface3);
  border-radius:2px;outline:none;cursor:pointer;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:20px;height:20px;border-radius:50%;
  background:var(--accent);border:3px solid #fff;
  box-shadow:0 1px 4px rgba(0,0,0,0.2);cursor:pointer;transition:box-shadow var(--transition);
}
input[type=range]::-webkit-slider-thumb:hover{box-shadow:0 1px 8px rgba(0,0,0,0.3)}
input[type=range]::-moz-range-thumb{
  width:20px;height:20px;border-radius:50%;background:var(--accent);
  border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,0.2);cursor:pointer;
}

.slider-marks{display:flex;justify-content:space-between;margin-top:6px}
.slider-marks span{font-size:10px;color:var(--text-muted)}

.preset-row{display:flex;gap:6px;flex-wrap:wrap;margin-top:10px}
.preset-btn{
  padding:5px 12px;background:var(--surface);border:1px solid var(--border);border-radius:100px;
  color:var(--text-secondary);font-family:var(--font-body);font-size:11px;font-weight:600;
  cursor:pointer;transition:all var(--transition);
}
.preset-btn:hover,.preset-btn.active{border-color:var(--accent);color:var(--accent);background:var(--accent-soft)}

/* ── Income/Expense Input Fields ── */
.income-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:28px}
@media(max-width:560px){.income-grid{grid-template-columns:1fr}}
.income-card{
  background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius);
  padding:18px 20px;transition:all var(--transition);
}
.income-card:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px rgba(0,0,0,0.04)}
.income-card-icon{
  width:36px;height:36px;border-radius:8px;background:var(--surface2);
  display:flex;align-items:center;justify-content:center;margin-bottom:10px;
}
.income-card-icon svg{width:18px;height:18px;stroke:var(--text);stroke-width:1.5;fill:none}
.income-card-icon.green-icon{background:var(--green-bg)}
.income-card-icon.green-icon svg{stroke:var(--green)}
.income-card-icon.red-icon{background:var(--red-bg)}
.income-card-icon.red-icon svg{stroke:var(--red)}
.income-card-label{font-size:11px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:var(--text-muted);margin-bottom:6px}
.income-card-hint{font-size:11px;color:var(--text-muted);margin-top:6px;line-height:1.4}
.income-input-wrap{position:relative;display:flex;align-items:center}
.income-input-wrap .dollar-sign{
  position:absolute;left:14px;font-family:var(--font-display);font-size:22px;color:var(--text-muted);
  pointer-events:none;
}
.income-input{
  width:100%;background:var(--surface2);border:1.5px solid var(--border);border-radius:8px;
  padding:10px 14px 10px 30px;color:var(--text);font-family:var(--font-display);font-size:22px;
  outline:none;transition:border-color var(--transition);-webkit-appearance:none;
}
.income-input:focus{border-color:var(--accent)}
.income-input::placeholder{color:var(--text-muted);font-family:var(--font-body);font-size:14px}
.income-suffix{
  position:absolute;right:14px;font-size:11px;color:var(--text-muted);font-weight:500;
  pointer-events:none;
}

/* ── Neighborhood Grid ── */
.neighborhood-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:8px;margin-bottom:28px}
.hood-card{
  background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius);
  padding:14px;cursor:pointer;transition:all var(--transition);text-align:center;
}
.hood-card:hover{border-color:#bbb}
.hood-card.selected{border-color:var(--accent);background:var(--accent-soft)}
.hood-name{font-size:13px;font-weight:600;margin-bottom:3px}
.hood-price{font-family:var(--font-display);font-size:17px;color:var(--text)}
.hood-note{font-size:10px;color:var(--text-muted);margin-top:2px}

/* ── Loan Grid ── */
.loan-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(195px,1fr));gap:10px;margin-bottom:28px}
.loan-card{
  background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius);
  padding:16px;cursor:pointer;transition:all var(--transition);
}
.loan-card:hover{border-color:#bbb}
.loan-card.selected{border-color:var(--accent);background:var(--accent-soft)}
.loan-card-top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:6px}
.loan-name{font-size:13px;font-weight:700}
.loan-rate-badge{font-family:var(--font-display);font-size:18px;color:var(--text)}
.loan-desc{font-size:11px;color:var(--text-muted);line-height:1.5}
.loan-tag{
  display:inline-block;margin-top:8px;background:var(--accent-soft);color:var(--text-secondary);
  padding:2px 8px;border-radius:100px;font-size:9px;font-weight:700;letter-spacing:0.04em;text-transform:uppercase;
}
.loan-tag.green{background:var(--green-bg);color:var(--green)}

/* ── Results ── */
.results-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:24px}
@media(max-width:560px){.results-grid{grid-template-columns:1fr}}

.result-hero{
  grid-column:1/-1;text-align:center;
  background:var(--surface2);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:32px;
}
.result-hero-label{font-size:11px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--text-muted);margin-bottom:10px}
.result-hero-amount{font-family:var(--font-display);font-size:clamp(44px,9vw,72px);line-height:1;color:var(--text)}
.result-hero-sub{font-size:12px;color:var(--text-muted);margin-top:6px}
.result-rate-chip{
  display:inline-flex;align-items:center;gap:6px;margin-top:12px;
  background:var(--accent-soft);border:1px solid var(--accent-med);
  border-radius:100px;padding:5px 14px;font-size:12px;color:var(--text-secondary);font-weight:500;
}
.result-rate-chip strong{color:var(--text);font-weight:700}

.metric-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:16px}
.metric-label{font-size:10px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--text-muted);margin-bottom:6px}
.metric-value{font-family:var(--font-display);font-size:24px;color:var(--text)}
.metric-sub{font-size:10px;color:var(--text-muted);margin-top:2px}

/* ── Affordability Gauge ── */
.afford-section{margin-bottom:24px}
.afford-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:22px;
}
.afford-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.afford-title{font-size:11px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--text-muted)}
.afford-dti-badge{
  display:inline-flex;align-items:center;gap:6px;
  padding:5px 14px;border-radius:100px;
  font-size:12px;font-weight:700;
}
.afford-dti-badge.good{background:var(--green-bg);color:var(--green);border:1px solid var(--green-border)}
.afford-dti-badge.caution{background:var(--orange-bg);color:var(--orange);border:1px solid var(--orange-border)}
.afford-dti-badge.stretch{background:var(--red-bg);color:var(--red);border:1px solid rgba(192,57,43,0.2)}

.afford-gauge{position:relative;height:8px;background:var(--surface3);border-radius:4px;margin-bottom:8px;overflow:visible}
.afford-gauge-fill{height:100%;border-radius:4px;transition:width 0.8s cubic-bezier(0.34,1.56,0.64,1)}
.afford-gauge-fill.good{background:var(--green)}
.afford-gauge-fill.caution{background:var(--orange)}
.afford-gauge-fill.stretch{background:var(--red)}
.afford-gauge-marks{display:flex;justify-content:space-between;margin-top:4px}
.afford-gauge-marks span{font-size:9px;color:var(--text-muted)}
.afford-gauge-marker{
  position:absolute;top:-6px;width:2px;height:20px;background:var(--text-muted);opacity:0.4;
}
.afford-gauge-marker.m28{left:56%}
.afford-gauge-marker.m36{left:72%}
.afford-gauge-marker.m43{left:86%}

.afford-breakdown{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-top:18px}
@media(max-width:560px){.afford-breakdown{grid-template-columns:1fr}}
.afford-item{text-align:center;padding:12px;background:var(--surface2);border-radius:var(--radius)}
.afford-item-label{font-size:10px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:var(--text-muted);margin-bottom:4px}
.afford-item-value{font-family:var(--font-display);font-size:20px;color:var(--text)}
.afford-item-value.green{color:var(--green)}
.afford-item-value.red{color:var(--red)}
.afford-item-sub{font-size:10px;color:var(--text-muted);margin-top:2px}

.afford-tip{
  margin-top:14px;padding:12px 16px;border-radius:var(--radius);
  font-size:13px;line-height:1.5;display:flex;align-items:flex-start;gap:10px;
}
.afford-tip.good{background:var(--green-bg);border:1px solid var(--green-border);color:var(--text-secondary)}
.afford-tip.caution{background:var(--orange-bg);border:1px solid var(--orange-border);color:var(--text-secondary)}
.afford-tip.stretch{background:var(--red-bg);border:1px solid rgba(192,57,43,0.2);color:var(--text-secondary)}
.afford-tip strong.good{color:var(--green)}
.afford-tip strong.caution{color:var(--orange)}
.afford-tip strong.stretch{color:var(--red)}
.afford-tip-icon{flex-shrink:0;margin-top:1px}

/* ── Cost Breakdown ── */
.cost-breakdown{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:22px;margin-bottom:18px;
}
.cost-title{font-size:11px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--text-muted);margin-bottom:18px}
.cost-bar-row{margin-bottom:12px}
.cost-bar-header{display:flex;justify-content:space-between;margin-bottom:5px;font-size:13px}
.cost-bar-name{color:var(--text-secondary);font-weight:500}
.cost-bar-val{color:var(--text);font-weight:600}
.cost-bar-track{height:4px;background:var(--surface3);border-radius:2px;overflow:hidden}
.cost-bar-fill{height:100%;border-radius:2px;transition:width 0.6s cubic-bezier(0.34,1.56,0.64,1)}
.cost-total{display:flex;justify-content:space-between;align-items:center;margin-top:16px;padding-top:14px;border-top:1px solid var(--border)}
.cost-total-label{font-size:13px;font-weight:700;color:var(--text)}
.cost-total-val{font-family:var(--font-display);font-size:22px;color:var(--text)}

/* ── Rate Table ── */
.rate-table{width:100%;border-collapse:collapse;margin-bottom:18px;font-size:13px}
.rate-table th{
  padding:8px 12px;text-align:left;font-size:10px;font-weight:700;
  letter-spacing:0.08em;text-transform:uppercase;color:var(--text-muted);
  border-bottom:1px solid var(--border);
}
.rate-table td{padding:10px 12px;border-bottom:1px solid var(--surface3)}
.rate-table tr:last-child td{border-bottom:none}
.rate-table .current-row{background:var(--accent-soft)}
.rate-table .current-row td:first-child{position:relative;font-weight:700}
.rate-table .savings{color:var(--green);font-weight:600}
.rate-table .cost-more{color:var(--red);font-weight:600}

/* ── Rent vs Buy ── */
.rvb-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px}
@media(max-width:560px){.rvb-grid{grid-template-columns:1fr}}
.rvb-card{
  background:var(--surface);border:1.5px solid var(--border);
  border-radius:var(--radius-lg);padding:22px;text-align:center;
}
.rvb-card.buy{border-color:var(--green-border)}
.rvb-card.rent{border-color:rgba(192,57,43,0.15)}
.rvb-icon{
  width:40px;height:40px;border-radius:10px;background:var(--surface2);
  display:inline-flex;align-items:center;justify-content:center;margin-bottom:10px;
}
.rvb-icon svg{width:20px;height:20px;stroke:var(--text);stroke-width:1.5;fill:none}
.rvb-label{font-size:10px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:12px}
.rvb-card.buy .rvb-label{color:var(--green)}
.rvb-card.rent .rvb-label{color:var(--red)}
.rvb-main{font-family:var(--font-display);font-size:28px;margin-bottom:4px}
.rvb-sub{font-size:11px;color:var(--text-muted)}
.rvb-item{display:flex;justify-content:space-between;font-size:12px;padding:5px 0;border-top:1px solid var(--surface3);margin-top:12px}
.rvb-item span:first-child{color:var(--text-muted)}
.rvb-item span:last-child{font-weight:600}

.breakeven-callout{
  background:var(--green-bg);border:1px solid var(--green-border);
  border-radius:var(--radius);padding:16px 20px;display:flex;align-items:center;gap:14px;margin-bottom:18px;
}
.breakeven-icon{
  width:36px;height:36px;border-radius:8px;background:rgba(26,138,92,0.12);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.breakeven-icon svg{width:18px;height:18px;stroke:var(--green);stroke-width:1.5;fill:none}
.breakeven-text{font-size:13px;line-height:1.5;color:var(--text-secondary)}
.breakeven-text strong{color:var(--green)}

/* ── Programs ── */
.programs-grid{display:grid;gap:10px;margin-bottom:18px}
.program-card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);
  padding:16px 18px;display:flex;gap:14px;align-items:flex-start;
}
.program-card.eligible{border-color:var(--green-border);background:var(--green-bg)}
.program-icon{
  width:36px;height:36px;border-radius:8px;background:var(--surface2);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.eligible .program-icon{background:rgba(26,138,92,0.12)}
.program-icon svg{width:18px;height:18px;stroke:var(--text-secondary);stroke-width:1.5;fill:none}
.eligible .program-icon svg{stroke:var(--green)}
.program-info{flex:1}
.program-name{font-size:13px;font-weight:700;margin-bottom:3px}
.program-desc{font-size:11px;color:var(--text-muted);line-height:1.5;margin-bottom:6px}
.program-benefit{font-family:var(--font-display);font-size:18px;color:var(--green)}
.program-status{
  font-size:10px;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;
  padding:3px 9px;border-radius:100px;flex-shrink:0;
}
.eligible .program-status{background:rgba(26,138,92,0.12);color:var(--green);border:1px solid var(--green-border)}
.not-eligible .program-status{background:var(--surface2);color:var(--text-muted);border:1px solid var(--border)}

/* ── Lead Form ── */
.lead-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow);
}
.lead-urgency{
  display:inline-flex;align-items:center;gap:6px;
  background:var(--accent-soft);border:1px solid var(--accent-med);
  color:var(--text-secondary);padding:5px 12px;border-radius:100px;
  font-size:10px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;margin-bottom:18px;
}
.lead-title{font-family:var(--font-display);font-size:26px;line-height:1.2;margin-bottom:8px;letter-spacing:-0.01em}
.lead-sub{font-size:14px;color:var(--text-secondary);margin-bottom:24px;font-weight:300;line-height:1.6}

.lead-summary{
  background:var(--surface2);border:1px solid var(--border);border-radius:var(--radius);
  padding:14px;display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:24px;
}
@media(max-width:560px){.lead-summary{grid-template-columns:1fr}}
.lead-summary-item{text-align:center}
.lead-summary-label{font-size:10px;color:var(--text-muted);font-weight:600;letter-spacing:0.06em;text-transform:uppercase;margin-bottom:3px}
.lead-summary-val{font-family:var(--font-display);font-size:20px;color:var(--text)}

.lead-fields{display:grid;gap:12px;margin-bottom:14px}
.lead-fields-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:500px){.lead-fields-row{grid-template-columns:1fr}}

.field-group{display:flex;flex-direction:column;gap:5px}
.field-group label{font-size:11px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:var(--text-muted)}

input[type=text],input[type=email],input[type=tel],select.lead-select{
  background:var(--surface2);border:1.5px solid var(--border);border-radius:8px;
  padding:11px 14px;color:var(--text);font-family:var(--font-body);font-size:14px;
  outline:none;transition:border-color var(--transition);width:100%;-webkit-appearance:none;
}
input:focus,select.lead-select:focus{border-color:var(--accent)}
input::placeholder{color:var(--text-muted)}
select.lead-select option{background:var(--surface)}

.credit-score-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:6px}
@media(max-width:500px){.credit-score-grid{grid-template-columns:1fr 1fr}}

.cs-btn{
  padding:8px 4px;background:var(--surface);border:1.5px solid var(--border);border-radius:8px;
  color:var(--text-muted);font-family:var(--font-body);font-size:11px;font-weight:600;
  cursor:pointer;text-align:center;transition:all var(--transition);
}
.cs-btn:hover{border-color:#bbb}
.cs-btn.selected{border-color:var(--accent);color:var(--text);background:var(--accent-soft)}
.cs-btn .cs-range{font-size:12px;font-weight:700;color:var(--text)}
.cs-btn .cs-label{font-size:9px;color:var(--text-muted);margin-top:1px}

.btn-cta{
  width:100%;padding:14px;background:var(--accent);border:none;border-radius:var(--radius);
  font-family:var(--font-body);font-size:15px;font-weight:700;color:#fff;
  cursor:pointer;transition:all var(--transition);letter-spacing:0.01em;margin-top:4px;
}
.btn-cta:hover{background:#333;transform:translateY(-1px);box-shadow:var(--shadow-lg)}

.btn-pdf{
  width:100%;padding:12px;background:transparent;border:1.5px solid var(--border);border-radius:var(--radius);
  font-family:var(--font-body);font-size:14px;font-weight:600;color:var(--text-secondary);
  cursor:pointer;transition:all var(--transition);letter-spacing:0.01em;margin-top:8px;
  display:flex;align-items:center;justify-content:center;gap:8px;
}
.btn-pdf:hover{border-color:var(--accent);color:var(--text);background:var(--accent-soft)}
.btn-pdf svg{width:16px;height:16px;stroke:currentColor;stroke-width:1.5;fill:none}

.trust-row{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:14px;flex-wrap:wrap}
.trust-item{font-size:11px;color:var(--text-muted);display:flex;align-items:center;gap:4px;font-weight:500}
.trust-item svg{width:13px;height:13px;stroke:var(--text-muted);stroke-width:1.5;fill:none}

/* ── Success ── */
.success-panel{display:none;text-align:center;padding:20px 0}
.success-ring{
  width:64px;height:64px;border-radius:50%;background:var(--green-bg);border:2px solid var(--green);
  display:flex;align-items:center;justify-content:center;margin:0 auto 18px;
  animation:popIn 0.4s cubic-bezier(0.34,1.56,0.64,1);
}
.success-ring svg{width:28px;height:28px;stroke:var(--green);stroke-width:2;fill:none}
@keyframes popIn{from{transform:scale(0);opacity:0}to{transform:scale(1);opacity:1}}
.success-panel h3{font-family:var(--font-display);font-size:26px;margin-bottom:10px}
.success-panel p{font-size:14px;color:var(--text-secondary);line-height:1.6}

/* ── Nav Buttons ── */
.nav-row{display:flex;gap:10px;margin-top:28px}
.btn-back{
  padding:11px 22px;background:transparent;border:1.5px solid var(--border);border-radius:8px;
  color:var(--text-muted);font-family:var(--font-body);font-size:13px;font-weight:600;
  cursor:pointer;transition:all var(--transition);
}
.btn-back:hover{border-color:var(--text-muted);color:var(--text)}
.btn-next{
  flex:1;padding:12px 22px;background:var(--accent);border:none;border-radius:8px;
  font-family:var(--font-body);font-size:14px;font-weight:700;color:#fff;
  cursor:pointer;transition:all var(--transition);letter-spacing:0.01em;
}
.btn-next:hover{background:#333;transform:translateY(-1px);box-shadow:0 4px 16px rgba(0,0,0,0.15)}

/* ── Section Divider ── */
.section-divider{display:flex;align-items:center;gap:12px;margin:24px 0 18px}
.section-divider-line{flex:1;height:1px;background:var(--border)}
.section-divider-text{font-size:10px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--text-muted);white-space:nowrap}

/* ── Info Box ── */
.info-box{
  background:rgba(44,82,130,0.06);border:1px solid rgba(44,82,130,0.15);
  border-radius:var(--radius);padding:14px 16px;font-size:13px;color:var(--text-secondary);
  line-height:1.6;margin-bottom:20px;
}
.info-box strong{color:var(--blue)}

/* ── Footer Note ── */
.footer-note{
  text-align:center;padding:40px 24px 60px;font-size:11px;color:var(--text-muted);
  max-width:480px;margin:0 auto;line-height:1.6;
}

/* ── PDF generating overlay ── */
.pdf-overlay{
  display:none;position:fixed;inset:0;z-index:200;background:rgba(0,0,0,0.4);
  backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);
  align-items:center;justify-content:center;
}
.pdf-overlay.active{display:flex}
.pdf-spinner{
  background:var(--surface);border-radius:var(--radius-lg);padding:32px 40px;
  text-align:center;box-shadow:var(--shadow-lg);
}
.pdf-spinner-ring{
  width:36px;height:36px;border:3px solid var(--surface3);border-top-color:var(--accent);
  border-radius:50%;animation:spin 0.8s linear infinite;margin:0 auto 14px;
}
@keyframes spin{to{transform:rotate(360deg)}}
.pdf-spinner-text{font-size:14px;color:var(--text-secondary);font-weight:500}