/* flow.css — prequal form, loading, offers, faq, footer, phone frame. */

/* ============================ PREQUAL FORM ============================ */
.pf { min-height: 100vh; background:
  radial-gradient(900px 480px at 50% -10%, rgba(11,95,255,.08), transparent 60%), var(--surface-2);
  display: flex; flex-direction: column; align-items: center; padding: 28px 16px 40px; }
.pf-card { width: 100%; max-width: 680px; background: #fff; border: 1px solid var(--border); border-radius: var(--r-xl); box-shadow: var(--sh-lg); overflow: hidden; display: flex; flex-direction: column; }
.pf-top { padding: 20px 28px 0; }
.pf-top-row { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.pf-close { background: var(--surface-2); border: 1px solid var(--border); border-radius: 50%; width: 38px; height: 38px; display: grid; place-items: center; cursor: pointer; color: var(--ink-3); transition: all .15s; }
.pf-close:hover { background: var(--surface-3); color: var(--ink); }
.pf-prog { height: 6px; background: var(--surface-3); border-radius: 999px; overflow: hidden; }
.pf-prog-bar { height: 100%; background: linear-gradient(90deg, var(--primary), #3D82FF); border-radius: 999px; transition: width .4s cubic-bezier(.22,.61,.36,1); }
.pf-steps { display: flex; justify-content: space-between; gap: 6px; margin-top: 14px; padding-bottom: 4px; }
.pf-stepdot { flex: 1; display: flex; flex-direction: column; align-items: center; gap: 7px; }
.pf-stepnum { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; font-size: 12.5px; font-weight: 800; font-style: normal; background: var(--surface-3); color: var(--ink-4); transition: all .2s; }
.pf-stepdot em { font-size: 11.5px; font-style: normal; font-weight: 600; color: var(--ink-4); transition: color .2s; }
.pf-stepdot.is-active .pf-stepnum { background: var(--primary); color: #fff; box-shadow: 0 0 0 4px var(--primary-050); }
.pf-stepdot.is-active em { color: var(--primary); }
.pf-stepdot.is-done .pf-stepnum { background: var(--positive); color: #fff; }
.pf-stepdot.is-done em { color: var(--ink-2); }
.pf-body { padding: 26px 28px 8px; position: relative; min-height: 280px; }
.pf-anchor { position: absolute; top: 0; outline: none; }
.pf-q { font-size: clamp(22px, 3vw, 28px); letter-spacing: -0.02em; }
.pf-help { font-size: 15px; color: var(--ink-3); margin-top: 10px; margin-bottom: 22px; }
.pf-sub { font-size: 16px; color: var(--ink); margin: 26px 0 14px; font-weight: 700; }

.amt-display { font-size: 46px; font-weight: 800; color: var(--ink); letter-spacing: -0.03em; text-align: center; }
.amt-slider { width: 100%; margin: 18px 0 6px; -webkit-appearance: none; appearance: none; height: 8px; border-radius: 999px; background: linear-gradient(90deg, var(--primary) 0%, var(--primary) 50%, var(--surface-3) 50%); }
.amt-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 28px; height: 28px; border-radius: 50%; background: #fff; border: 4px solid var(--primary); box-shadow: var(--sh-md); cursor: grab; }
.amt-slider::-moz-range-thumb { width: 28px; height: 28px; border-radius: 50%; background: #fff; border: 4px solid var(--primary); box-shadow: var(--sh-md); cursor: grab; }
.amt-scale { display: flex; justify-content: space-between; font-size: 12.5px; color: var(--ink-4); font-weight: 600; }

.opt-grid--2 { grid-template-columns: 1fr 1fr; }
.opt-check { margin-left: auto; color: var(--primary); opacity: 0; transition: opacity .15s; }
.opt.is-selected .opt-check { opacity: 1; }
@media (max-width: 540px) { .opt-grid--2 { grid-template-columns: 1fr; } }

.seg { display: flex; flex-wrap: wrap; gap: 8px; }
.seg-btn { font-family: inherit; font-size: 14.5px; font-weight: 600; color: var(--ink-2); background: var(--surface); border: 1.5px solid var(--border-2); padding: 11px 16px; border-radius: var(--r-pill); cursor: pointer; transition: all .15s; }
.seg-btn:hover { border-color: var(--primary); }
.seg-btn.is-active { background: var(--primary-050); border-color: var(--primary); color: var(--primary-700); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 480px) { .grid-2 { grid-template-columns: 1fr; } }

.pf-note { display: flex; align-items: center; gap: 10px; margin-top: 24px; padding: 13px 15px; background: var(--surface-2); border: 1px solid var(--border); border-radius: var(--r-md); font-size: 13.5px; color: var(--ink-3); }
.pf-note svg { color: var(--positive); flex: none; }

.review { border: 1px solid var(--border); border-radius: var(--r-md); overflow: hidden; margin-bottom: 22px; }
.review-row { display: flex; justify-content: space-between; gap: 16px; padding: 14px 16px; font-size: 14.5px; }
.review-row + .review-row { border-top: 1px solid var(--border); }
.review-k { color: var(--ink-3); }
.review-v { color: var(--ink); font-weight: 700; text-align: right; }

.consent { display: flex; gap: 13px; align-items: flex-start; padding: 16px; border: 1.5px solid var(--border-2); border-radius: var(--r-md); cursor: pointer; transition: border-color .15s, background .15s; }
.consent:hover { border-color: var(--primary); }
.consent.is-invalid { border-color: #DC4B4B; background: rgba(220,75,75,.04); }
.consent input { position: absolute; opacity: 0; width: 0; height: 0; }
.consent-box { flex: none; width: 24px; height: 24px; border-radius: 7px; border: 2px solid var(--border-2); display: grid; place-items: center; color: #fff; margin-top: 1px; transition: all .15s; }
.consent input:checked + .consent-box { background: var(--primary); border-color: var(--primary); }
.consent input:not(:checked) + .consent-box svg { opacity: 0; }
.consent input:focus-visible + .consent-box { outline: 3px solid var(--ring); outline-offset: 2px; }
.consent-text { font-size: 13.5px; line-height: 1.55; color: var(--ink-2); }
.consent-text strong { color: var(--ink); }

.pf-foot { display: flex; align-items: center; justify-content: space-between; gap: 14px; padding: 18px 28px; border-top: 1px solid var(--border); background: var(--surface-2); }
.pf-foot-right { display: flex; align-items: center; gap: 16px; }
.pf-foot-trust { display: inline-flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 600; color: #0a7d56; }
.pf-disclaimer { max-width: 680px; color: var(--ink-4); text-align: center; margin-top: 18px; }
@media (max-width: 560px) {
  .pf-foot-trust { display: none; }
  .pf-top, .pf-body, .pf-foot { padding-left: 18px; padding-right: 18px; }
  .pf-stepdot em { display: none; }
}

/* ============================ LOADING ============================ */
.loading { min-height: 100vh; display: grid; place-items: center; background:
  radial-gradient(900px 480px at 50% 0%, rgba(11,95,255,.10), transparent 60%), var(--surface-2); padding: 24px; }
.loading-card { max-width: 460px; text-align: center; }
.scan-wrap { width: 132px; height: 132px; margin: 0 auto 30px; position: relative; border-radius: 30px; background: #fff; border: 1px solid var(--border); box-shadow: var(--sh-md); display: grid; place-items: center; overflow: hidden; }
.scan-wrap svg { color: var(--primary); }
.scan-line { position: absolute; left: 8%; right: 8%; height: 38%; top: 0; border-radius: 12px;
  background: linear-gradient(180deg, rgba(11,95,255,0), rgba(11,95,255,.16)); border-bottom: 2px solid var(--primary);
  animation: scan 1.7s ease-in-out infinite; }
.loading h2 { font-size: 26px; }
.loading p { color: var(--ink-3); margin-top: 12px; font-size: 15.5px; }
.loading-steps { margin-top: 26px; display: flex; flex-direction: column; gap: 12px; text-align: left; max-width: 320px; margin-inline: auto; }
.loading-step { display: flex; align-items: center; gap: 11px; font-size: 14.5px; font-weight: 600; color: var(--ink-3); opacity: .4; transition: opacity .3s, color .3s; }
.loading-step.is-on { opacity: 1; color: var(--ink); }
.loading-step .ls-ic { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--surface-3); color: var(--ink-4); flex: none; }
.loading-step.is-on .ls-ic { background: var(--positive); color: #fff; }
.loading-note { margin-top: 28px; font-size: 13px; color: var(--ink-4); display: inline-flex; gap: 7px; align-items: center; }

/* ============================ OFFERS ============================ */
.offers { padding-top: 40px; padding-bottom: 72px; min-height: 100vh; background:
  radial-gradient(900px 420px at 50% -6%, rgba(11,95,255,.06), transparent 60%), var(--surface-2); }
.of-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; flex-wrap: wrap; margin-bottom: 22px; }
.of-title { font-size: clamp(28px, 3.6vw, 40px); letter-spacing: -0.025em; margin-top: 14px; }
.of-meta { font-size: 15px; color: var(--ink-3); margin-top: 8px; }

.ad-disclosure { display: flex; gap: 12px; align-items: flex-start; background: var(--warning-050); border: 1px solid #EBD9B3; border-radius: var(--r-md); padding: 14px 16px; margin-bottom: 22px; }
.ad-disclosure svg { color: var(--warning); flex: none; margin-top: 1px; }
.ad-disclosure p { font-size: 13px; line-height: 1.55; color: #6B5418; }
.ad-disclosure strong { color: #5A460F; }

.of-controls { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-bottom: 20px; }
.of-sort { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.of-sort-label { display: inline-flex; align-items: center; gap: 7px; font-size: 13.5px; font-weight: 700; color: var(--ink-3); }
.of-filters { display: flex; gap: 10px; flex-wrap: wrap; }
.fchip { display: inline-flex; align-items: center; gap: 7px; white-space: nowrap; font-family: inherit; font-size: 13.5px; font-weight: 600; color: var(--ink-3); background: var(--surface); border: 1.5px solid var(--border-2); padding: 9px 14px; border-radius: var(--r-pill); cursor: pointer; transition: all .15s; }
.fchip svg { opacity: 0; width: 0; transition: opacity .15s; }
.fchip:hover { border-color: var(--primary); color: var(--ink); }
.fchip.is-on { background: var(--primary-050); border-color: var(--primary); color: var(--primary-700); }
.fchip.is-on svg { opacity: 1; width: 14px; }

.of-list { display: flex; flex-direction: column; gap: 14px; }

.oc { position: relative; background: #fff; border: 1px solid var(--border); border-radius: var(--r-lg); box-shadow: var(--sh-sm); transition: box-shadow .2s, border-color .2s, transform .2s; }
.oc:hover { box-shadow: var(--sh-md); border-color: var(--border-2); }
.oc--best { border-color: var(--primary); box-shadow: 0 0 0 1px var(--primary), var(--sh-md); }
.oc-ribbon { position: absolute; top: -11px; left: 22px; display: inline-flex; align-items: center; gap: 6px; white-space: nowrap; background: var(--primary); color: #fff; font-size: 12px; font-weight: 700; padding: 5px 12px; border-radius: 999px; box-shadow: var(--sh-primary); }
.oc-main { display: grid; grid-template-columns: 1.1fr 2.4fr 1fr; gap: 22px; align-items: center; padding: 22px 24px; }
.oc-lender { display: flex; align-items: center; gap: 14px; }
.oc-name { font-size: 18px; font-weight: 800; color: var(--ink); margin-bottom: 7px; letter-spacing: -0.01em; }

.oc-figs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.fig { position: relative; }
.fig-label { font-size: 11.5px; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: var(--ink-4); margin-bottom: 5px; }
.fig-value { font-size: 18px; font-weight: 800; color: var(--ink); letter-spacing: -0.01em; line-height: 1.1; }
.fig-sub { font-size: 12px; color: var(--ink-4); margin-top: 3px; }
.fig.is-hot .fig-value { color: var(--primary); }
.fig.is-hot::before { content: ""; position: absolute; left: -9px; top: 2px; bottom: 2px; width: 3px; border-radius: 3px; background: var(--primary); }

.oc-cta { display: flex; flex-direction: column; gap: 9px; align-items: stretch; }
.oc-detail-toggle { background: none; border: 0; cursor: pointer; font-family: inherit; font-size: 13px; font-weight: 600; color: var(--ink-3); display: inline-flex; align-items: center; gap: 5px; justify-content: center; }
.oc-detail-toggle:hover { color: var(--primary); }
.oc-detail-toggle .rot { transform: rotate(180deg); }

.oc-detail { border-top: 1px solid var(--border); padding: 18px 24px 20px; }
.oc-detail-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px 32px; max-width: 560px; }
.dr { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 8px 0; border-bottom: 1px dashed var(--border); font-size: 14px; }
.dr-k { display: inline-flex; align-items: center; gap: 7px; color: var(--ink-3); }
.dr-k svg { color: var(--ink-4); }
.dr-v { font-weight: 700; color: var(--ink); }
.oc-detail-note { margin-top: 14px; }

.of-empty { text-align: center; padding: 60px 20px; color: var(--ink-3); display: flex; flex-direction: column; align-items: center; gap: 14px; }
.of-foot { margin-top: 28px; display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding-top: 22px; border-top: 1px solid var(--border); }
.of-foot p { max-width: 760px; }

@media (max-width: 920px) {
  .oc-main { grid-template-columns: 1fr; gap: 18px; }
  .oc-figs { grid-template-columns: repeat(2, 1fr); }
  .fig.is-hot::before { display: none; }
}
@media (max-width: 440px) { .oc-figs { grid-template-columns: 1fr 1fr; } }

/* ============================ FAQ ============================ */
.faq { background: #fff; }
.faq-wrap { display: grid; grid-template-columns: 0.9fr 1.4fr; gap: 56px; align-items: start; }
.faq-intro { position: sticky; top: 90px; }
.faq-edu-note { display: flex; gap: 11px; align-items: flex-start; background: var(--surface-2); border: 1px solid var(--border); border-radius: var(--r-md); padding: 14px 16px; margin-top: 20px; }
.faq-edu-note svg { color: var(--primary); flex: none; margin-top: 1px; }
.faq-edu-note p { font-size: 13px; color: var(--ink-3); line-height: 1.55; }
.faq-list { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-q-wrap { margin: 0; }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 18px; text-align: left; background: none; border: 0; cursor: pointer; font-family: inherit; font-size: 18px; font-weight: 700; color: var(--ink); padding: 24px 4px; letter-spacing: -0.01em; transition: color .15s; }
.faq-q:hover { color: var(--primary); }
.faq-q:focus-visible { outline: 3px solid var(--ring); outline-offset: 3px; border-radius: 6px; }
.faq-ic { flex: none; width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: var(--surface-2); color: var(--primary); transition: background .15s; }
.faq-item.is-open .faq-ic { background: var(--primary); color: #fff; }
.faq-a { overflow: hidden; }
.faq-a-inner { padding: 0 4px 26px; display: flex; flex-direction: column; gap: 14px; color: var(--ink-2); font-size: 15.5px; line-height: 1.6; max-width: 62ch; }
.faq-a-inner strong { color: var(--ink); }
@media (max-width: 860px) {
  .faq-wrap { grid-template-columns: 1fr; gap: 30px; }
  .faq-intro { position: static; }
  .faq-q { font-size: 16.5px; padding: 20px 2px; }
}

/* ============================ FOOTER ============================ */
.ft { background: #07142E; color: #B9C5DC; }
.ft-cta { background: linear-gradient(120deg, #0B5FFF, #0A50DB 60%, #0840AE); }
.ft-cta-in { padding: clamp(40px, 6vw, 64px) var(--gutter); display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.ft-cta-title { color: #fff; font-size: clamp(24px, 3vw, 34px); max-width: 18ch; letter-spacing: -0.025em; }
.ft-cta-sub { color: #D6E4FF; margin-top: 12px; font-size: 16px; }
.ft-cta-actions { display: flex; flex-direction: column; align-items: flex-start; gap: 13px; }
.ft-cta-actions .btn--primary { background: #fff; color: var(--primary-700); box-shadow: 0 10px 30px rgba(3,15,40,.35); }
.ft-cta-actions .btn--primary:hover { background: #EFF4FF; }
.ft-cta-actions .trustline { color: #BFF3DD; }

.ft-main { padding-top: 56px; padding-bottom: 36px; }
.ft-top { display: grid; grid-template-columns: 1.4fr 2fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1); }
.ft-tagline { font-size: 14.5px; line-height: 1.6; color: #93A2C0; margin-top: 18px; max-width: 38ch; }
.ft-trustrow { display: flex; gap: 18px; margin-top: 20px; flex-wrap: wrap; }
.ft-trust { display: inline-flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 600; color: #9FB0CC; }
.ft-trust svg { color: #5FE0AC; }
.ft-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.ft-col { display: flex; flex-direction: column; gap: 12px; }
.ft-col h4 { color: #fff; font-size: 13px; letter-spacing: 0.05em; text-transform: uppercase; margin-bottom: 4px; }
.ft-col a { color: #9FB0CC; font-size: 14.5px; transition: color .15s; }
.ft-col a:hover { color: #fff; }

.ft-disc { padding: 30px 0; border-bottom: 1px solid rgba(255,255,255,.1); display: flex; flex-direction: column; gap: 13px; }
.ft-disc p { font-size: 12.5px; line-height: 1.6; color: #7E8EAC; max-width: 92ch; }
.ft-disc strong { color: #AFBDD8; }

.ft-bottom { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding-top: 24px; font-size: 13px; color: #76859F; }
.ft-bottom-links { display: flex; gap: 18px; }
.ft-bottom-links a { color: #9FB0CC; }
.ft-bottom-links a:hover { color: #fff; }
@media (max-width: 760px) {
  .ft-top { grid-template-columns: 1fr; gap: 32px; }
  .ft-cols { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 460px) { .ft-cols { grid-template-columns: 1fr 1fr; } }

/* ============================ IN-FRAME (phone showcase) ============================ */
.in-frame { padding-top: 50px; }
.in-frame .nav { display: none; }
.in-frame .hero { padding-top: 6px; }
.in-frame .pf { min-height: auto; padding-top: 12px; padding-bottom: 24px; }
.in-frame .loading { min-height: 80vh; }
.in-frame .offers { min-height: auto; }
.in-frame body { background: #fff; }