/* ==========================================================================
   Apex Finance — Bespoke Enterprise Master Design System
   Original, modern, high-converting fintech architecture
   Synthesizing the best principles of Iwoca, Fairfinance & Apply
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@400;500;600;700;800;900&family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  /* Apex Brand Color Palette */
  --apex-navy: #08172E;
  --apex-navy-light: #0D2244;
  --apex-navy-card: #132D58;
  
  --apex-cobalt: #0055FF;
  --apex-cobalt-hover: #0044CC;
  --apex-cobalt-light: #EBF2FF;
  
  --apex-coral: #FF5349;
  --apex-coral-hover: #E63D33;
  --apex-coral-light: #FFF0EE;
  
  --apex-emerald: #00C882;
  --apex-emerald-dark: #009E66;
  --apex-emerald-light: #E6FAF3;
  
  --apex-amber: #FF9F0A;
  --apex-cyan: #00C7E6;
  
  /* Canvas Backgrounds */
  --bg-page: #F8FAFC;
  --bg-white: #FFFFFF;
  --bg-card: #FFFFFF;
  --bg-subtle: #F1F5F9;
  
  /* Text Colors */
  --text-title: #08172E;
  --text-body: #475569;
  --text-muted: #64748B;
  --text-light: #94A3B8;
  --text-white: #FFFFFF;
  
  /* Borders */
  --border-light: #E2E8F0;
  --border-subtle: #F1F5F9;
  --border-focus: #0055FF;
  --border-dark: rgba(255, 255, 255, 0.12);
  
  /* Typography */
  --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --font-mono: 'Inter', monospace, sans-serif;
  
  /* Radii & Shadows */
  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-full: 9999px;
  
  --shadow-sm: 0 2px 4px rgba(8, 23, 46, 0.04);
  --shadow-md: 0 8px 24px rgba(8, 23, 46, 0.06);
  --shadow-lg: 0 16px 40px rgba(8, 23, 46, 0.09);
  --shadow-xl: 0 24px 64px rgba(8, 23, 46, 0.13);
  --shadow-cobalt: 0 10px 28px rgba(0, 85, 255, 0.35);
  --shadow-coral: 0 10px 28px rgba(255, 83, 73, 0.35);
  --shadow-card: 0 10px 30px rgba(13, 34, 68, 0.08);
  
  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

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

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

body {
  font-family: var(--font-body);
  background-color: var(--bg-page);
  color: var(--text-body);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--text-title);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.2;
}

h1 em, h2 em, h3 em, .highlight-coral {
  font-style: normal;
  color: var(--apex-coral);
}

.highlight-cobalt {
  color: var(--apex-cobalt);
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

button, input, select, textarea {
  font-family: inherit;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ==========================================================================
   DISCRETE SIMULATION TOOLBAR (Bottom-Left Floating)
   ========================================================================== */
.discrete-admin-panel {
  position: fixed;
  bottom: 20px;
  left: 20px;
  background: rgba(8, 23, 46, 0.95);
  backdrop-filter: blur(12px);
  padding: 0.75rem 1rem;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.12);
  z-index: 9999;
  box-shadow: var(--shadow-xl);
  max-width: 340px;
}

.btn-discrete {
  background: #1e293b;
  color: #e2e8f0;
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 0.25rem 0.6rem;
  border-radius: var(--radius-xs);
  font-size: 0.72rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  display: inline-block;
}

.btn-discrete:hover {
  filter: brightness(1.2);
}

/* ==========================================================================
   MASTER HEADER (Modern, Clean & Spacious)
   ========================================================================== */
.header-topbar {
  background: var(--apex-navy);
  color: #94A3B8;
  font-size: 0.78rem;
  font-weight: 600;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.header-topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.45rem 1.5rem;
  max-width: 1240px;
  margin: 0 auto;
}

.header-topbar-left {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: #CBD5E1;
}

.header-topbar-right {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.header-topbar-phone {
  color: #FFFFFF;
  text-decoration: none;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: color 0.2s;
}

.header-topbar-phone:hover {
  color: #93C5FD;
}

.header-topbar-wa {
  background: #25D366;
  color: #FFFFFF;
  padding: 0.22rem 0.75rem;
  border-radius: 9999px;
  text-decoration: none;
  font-weight: 700;
  font-size: 0.75rem;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: transform 0.2s, filter 0.2s;
}

.header-topbar-wa:hover {
  filter: brightness(1.1);
  transform: translateY(-1px);
}

.header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border-light);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.03);
  transition: var(--transition);
}

.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 74px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--apex-navy);
  letter-spacing: -0.03em;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-icon-wrap {
  width: 34px;
  height: 34px;
  border-radius: 9px;
  background: linear-gradient(135deg, var(--apex-cobalt) 0%, var(--apex-coral) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 900;
  font-size: 1rem;
  box-shadow: 0 4px 12px rgba(0, 85, 255, 0.25);
}

.nav-links {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 2rem;
  margin: 0;
  padding: 0;
}

.nav-link {
  font-size: 0.92rem;
  font-weight: 600;
  color: #334155;
  padding: 0.5rem 0;
  text-decoration: none;
  transition: var(--transition);
}

.nav-link:hover {
  color: var(--apex-cobalt);
}

.nav-right-actions {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  flex-shrink: 0;
}

.nav-login-btn {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--apex-navy);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.55rem 1.15rem;
  border-radius: var(--radius-full);
  border: 1px solid var(--border-light);
  background: #FFFFFF;
  text-decoration: none;
  cursor: pointer;
  transition: var(--transition);
}

.nav-login-btn:hover {
  color: var(--apex-cobalt);
  border-color: var(--apex-cobalt);
  background: var(--apex-cobalt-light);
}

/* Master Buttons */
.btn-apex-primary {
  background: var(--apex-cobalt);
  color: white;
  padding: 0.75rem 1.6rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: var(--shadow-cobalt);
}

.btn-apex-primary:hover {
  background: var(--apex-cobalt-hover);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(0, 85, 255, 0.45);
}

.btn-apex-coral {
  background: var(--apex-coral);
  color: white;
  padding: 0.85rem 1.8rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: var(--shadow-coral);
}

.btn-apex-coral:hover {
  background: var(--apex-coral-hover);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(255, 83, 73, 0.45);
}

.btn-apex-dark {
  background: var(--apex-navy);
  color: white;
  padding: 0.85rem 1.8rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: var(--shadow-md);
}

.btn-apex-dark:hover {
  background: var(--apex-navy-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
}

/* User Auth Pill in Header */
.user-auth-pill {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: #F1F5F9;
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 700;
}

.user-avatar-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--apex-emerald);
}

/* ==========================================================================
   HERO SECTION (High-Converting Asymmetric Split)
   ========================================================================== */
.hero-section {
  padding: 4.5rem 0 5rem;
  position: relative;
  background: linear-gradient(180deg, #FFFFFF 0%, var(--bg-page) 100%);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 3.5rem;
  align-items: center;
}

.hero-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--apex-cobalt-light);
  border: 1px solid rgba(0, 85, 255, 0.15);
  color: var(--apex-cobalt);
  padding: 0.4rem 1.1rem;
  border-radius: var(--radius-full);
  font-size: 0.84rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
}

.hero-title {
  font-size: 3.5rem;
  line-height: 1.12;
  margin-bottom: 1.25rem;
  color: var(--apex-navy);
}

.hero-subtitle {
  font-size: 1.15rem;
  color: var(--text-body);
  margin-bottom: 2rem;
  line-height: 1.7;
}

.hero-benefits-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  margin-bottom: 2.2rem;
}

.hero-benefit-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--apex-navy);
}

.benefit-check-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--apex-emerald-light);
  color: var(--apex-emerald-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 900;
  flex-shrink: 0;
}

.hero-trustpilot-card {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  background: white;
  border: 1px solid var(--border-light);
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  font-size: 0.85rem;
}

.tp-stars-green {
  color: #00B67A;
  font-size: 0.95rem;
  letter-spacing: 2px;
}

/* ==========================================================================
   APEX SMART LOAN CALCULATOR CARD
   ========================================================================== */
.calc-card-master {
  background: white;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 2.2rem;
  box-shadow: var(--shadow-xl);
  position: relative;
}

.calc-type-segmented {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--bg-subtle);
  padding: 0.35rem;
  border-radius: var(--radius-md);
  margin-bottom: 1.8rem;
}

.calc-type-btn {
  text-align: center;
  padding: 0.75rem 1rem;
  font-weight: 700;
  font-size: 0.92rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
  color: var(--text-muted);
  transition: var(--transition);
}

.calc-type-btn.active {
  background: white;
  color: var(--apex-navy);
  box-shadow: var(--shadow-sm);
}

.calc-field-group {
  margin-bottom: 1.5rem;
}

.calc-field-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}

.calc-field-label {
  font-size: 0.9rem;
  font-weight: 700;
  color: #334155;
}

.calc-field-val {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--apex-navy);
}

.custom-range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #E2E8F0;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}

.custom-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--apex-cobalt);
  border: 3px solid white;
  box-shadow: 0 2px 8px rgba(0, 85, 255, 0.4);
  cursor: pointer;
}

.range-scale-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 0.35rem;
}

/* Calculator Summary Box */
.calc-summary-panel {
  background: linear-gradient(135deg, var(--apex-navy) 0%, #0F2A56 100%);
  color: white;
  border-radius: var(--radius-md);
  padding: 1.4rem;
  margin-bottom: 1.5rem;
}

.calc-monthly-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-bottom: 0.9rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  margin-bottom: 0.9rem;
}

.calc-monthly-label {
  font-size: 0.8rem;
  color: #94A3B8;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 700;
}

.calc-monthly-amount {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--apex-emerald);
}

.calc-metrics-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  font-size: 0.85rem;
}

.metric-item {
  display: flex;
  justify-content: space-between;
  color: #94A3B8;
}

.metric-item strong {
  color: white;
}

/* ==========================================================================
   FLOATING TRUST PILL BAR
   ========================================================================== */
.trust-bar-section {
  padding: 1rem 0 3.5rem;
}

.trust-bar-pill {
  background: white;
  border-radius: var(--radius-full);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-md);
  padding: 1.2rem 2.2rem;
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  align-items: center;
  gap: 1.5rem;
}

.trust-pill-item {
  border-right: 1px solid var(--border-light);
  padding-right: 1rem;
}

.trust-pill-item:last-child {
  border-right: none;
  padding-right: 0;
  text-align: right;
}

.trust-item-val {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--apex-navy);
}

.trust-item-sub {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* ==========================================================================
   SOLUTIONS & CATEGORIES MATRIX (4 Targeted Tracks)
   ========================================================================== */
.solutions-section {
  padding: 5.5rem 0;
  background: white;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem;
}

.section-tag {
  display: inline-block;
  background: var(--apex-cobalt-light);
  color: var(--apex-cobalt);
  padding: 0.35rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
}

.section-title {
  font-size: 2.5rem;
  margin-bottom: 0.75rem;
  color: var(--apex-navy);
}

.section-desc {
  font-size: 1.05rem;
  color: var(--text-body);
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.solution-card {
  background: var(--bg-page);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  padding: 2rem 1.6rem;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.solution-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: var(--apex-cobalt);
  background: white;
}

.solution-icon-box {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: white;
  color: var(--apex-cobalt);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  box-shadow: var(--shadow-sm);
}

.solution-card-title {
  font-size: 1.25rem;
  margin-bottom: 0.6rem;
  color: var(--apex-navy);
}

.solution-card-desc {
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.6;
  margin-bottom: 1.25rem;
}

.solution-card-link {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--apex-cobalt);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

/* ==========================================================================
   HOW IT WORKS & DASHBOARD MOCKUP
   ========================================================================== */
.how-section {
  padding: 5.5rem 0;
  background: var(--bg-page);
}

.how-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 4rem;
  align-items: center;
}

/* Dashboard Mockup Card */
.mockup-preview-card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-xl);
  padding: 2rem;
  max-width: 460px;
  margin: 0 auto;
}

.mockup-top-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
}

.mockup-account-tag {
  background: var(--apex-cobalt-light);
  color: var(--apex-cobalt);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 0.25rem 0.65rem;
  border-radius: var(--radius-full);
}

.mockup-balance-display {
  background: var(--bg-subtle);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}

.mockup-balance-val {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--apex-navy);
}

.mockup-metrics-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
}

.mockup-metric-card {
  background: white;
  border: 1px solid var(--border-light);
  padding: 0.85rem;
  border-radius: var(--radius-sm);
}

.mockup-metric-label {
  font-size: 0.72rem;
  color: var(--text-muted);
  text-transform: uppercase;
  font-weight: 700;
}

.mockup-metric-num {
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--apex-navy);
}

.mockup-actions-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}

.btn-mockup-white {
  background: white;
  border: 1px solid var(--border-light);
  padding: 0.7rem;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.85rem;
  text-align: center;
}

.btn-mockup-primary {
  background: var(--apex-cobalt);
  color: white;
  border: none;
  padding: 0.7rem;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.85rem;
  text-align: center;
}

/* Steps Sequence */
.steps-sequence {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.step-row-item {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
}

.step-badge-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: white;
  border: 2px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--apex-navy);
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}

.step-item-title {
  font-size: 1.3rem;
  margin-bottom: 0.4rem;
  color: var(--apex-navy);
}

.step-item-desc {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.6;
}

/* ==========================================================================
   APEX VS HIGH STREET BANKS COMPARISON
   ========================================================================== */
.comparison-section {
  padding: 5.5rem 0;
  background: white;
}

.comparison-card-table {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.comparison-table th, .comparison-table td {
  padding: 1.35rem 1.8rem;
  border-bottom: 1px solid var(--border-light);
}

.comparison-table th {
  background: var(--bg-subtle);
  font-weight: 800;
  font-size: 1rem;
  color: var(--apex-navy);
}

.comparison-table th.col-apex {
  background: var(--apex-cobalt-light);
  color: var(--apex-cobalt);
  font-size: 1.1rem;
}

.comparison-table td.col-apex {
  background: #FAFCFF;
  font-weight: 700;
  color: var(--apex-navy);
}

/* ==========================================================================
   TESTIMONIALS & TRUSTPROOF REVIEWS
   ========================================================================== */
.reviews-section {
  padding: 5.5rem 0;
  background: var(--bg-page);
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.8rem;
}

.review-card-master {
  background: white;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.review-card-quote {
  font-size: 0.98rem;
  color: #334155;
  line-height: 1.65;
  margin-bottom: 1.5rem;
}

.review-author-row {
  display: flex;
  align-items: center;
  gap: 0.9rem;
}

.author-avatar-circle {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--apex-cobalt-light);
  color: var(--apex-cobalt);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1rem;
}

.author-name {
  font-weight: 800;
  color: var(--apex-navy);
  font-size: 0.95rem;
}

.author-role {
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-section {
  padding: 5.5rem 0;
  background: white;
}

.faq-container-box {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item-card {
  background: var(--bg-page);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  overflow: hidden;
}

.faq-question-btn {
  padding: 1.25rem 1.6rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--apex-navy);
}

.faq-toggle-icon {
  font-size: 1.3rem;
  transition: transform 0.2s ease;
}

.faq-answer-body {
  padding: 0 1.6rem 1.25rem;
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.65;
  display: none;
}

.faq-item-card.active .faq-answer-body {
  display: block;
}

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

/* ==========================================================================
   BOTTOM CONVERSION CTA BANNER
   ========================================================================== */
.cta-banner-section {
  padding: 5.5rem 0;
  background: var(--bg-page);
}

.cta-banner-card {
  background: linear-gradient(135deg, var(--apex-navy) 0%, #0F2A56 100%);
  border-radius: var(--radius-xl);
  padding: 4.5rem 3rem;
  text-align: center;
  color: white;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.cta-banner-card h2 {
  font-size: 2.8rem;
  color: white;
  margin-bottom: 1rem;
}

.cta-banner-card p {
  font-size: 1.15rem;
  color: #CBD5E1;
  max-width: 620px;
  margin: 0 auto 2.2rem;
}

/* ==========================================================================
   MASTER CORPORATE FOOTER
   ========================================================================== */
.footer {
  background: #040C18;
  color: #94A3B8;
  padding: 5.5rem 0 2.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3.5rem;
  margin-bottom: 3.5rem;
}

.footer-brand p {
  font-size: 0.9rem;
  margin-top: 1rem;
  max-width: 320px;
  line-height: 1.6;
}

.footer-col h4 {
  color: white;
  font-size: 1rem;
  margin-bottom: 1.25rem;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-col a {
  font-size: 0.85rem;
}

.footer-col a:hover {
  color: white;
}

.footer-disclaimer-text {
  font-size: 0.76rem;
  color: #64748B;
  line-height: 1.6;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 2rem;
  margin-top: 2rem;
}

.footer-bottom-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
  gap: 1rem;
}

/* ==========================================================================
   MODALS
   ========================================================================== */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(8, 23, 46, 0.85);
  backdrop-filter: blur(10px);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
}

.modal-overlay.open, .modal-overlay.active {
  display: flex;
}

.modal-box {
  background: white;
  border-radius: var(--radius-lg);
  max-width: 600px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  padding: 2.5rem;
  box-shadow: var(--shadow-xl);
  position: relative;
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
}

.modal-title {
  font-size: 1.65rem;
  color: var(--apex-navy);
}

.modal-close-btn {
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: #64748B;
}

.modal-progress {
  height: 6px;
  background: #E2E8F0;
  border-radius: 3px;
  overflow: hidden;
  margin-bottom: 2rem;
}

.modal-progress-fill {
  height: 100%;
  background: var(--apex-cobalt);
  width: 25%;
  transition: width 0.3s ease;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: #334155;
  margin-bottom: 0.4rem;
}

.form-control {
  width: 100%;
  padding: 0.85rem 1.1rem;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  color: #0F172A;
}

.form-control:focus {
  outline: none;
  border-color: var(--apex-cobalt);
  box-shadow: 0 0 0 3px var(--apex-cobalt-light);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* Responsive */
@media (max-width: 992px) {
  .hero-grid, .how-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .trust-bar-pill { grid-template-columns: 1fr 1fr; }
  .solutions-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-links, .header-phone-box { display: none; }
  .header-topbar-left { display: none; }
  .header-topbar-inner { justify-content: center; padding: 0.35rem 1rem; }
  .hero-title { font-size: 2.6rem; }
  .trust-bar-pill { grid-template-columns: 1fr; }
  .solutions-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   SHARED UI & ADMIN SYSTEM ENHANCEMENTS
   ========================================================================== */
.brand-logo-img {
  height: 36px;
  max-height: 36px;
  width: auto;
  object-fit: contain;
  vertical-align: middle;
}

.admin-badge-pill {
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  background: var(--apex-navy);
  color: #93c5fd;
  padding: 0.2rem 0.55rem;
  border-radius: var(--radius-xs);
  border: 1px solid rgba(147, 197, 253, 0.3);
  margin-left: 0.5rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.6rem 1.25rem;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  line-height: 1.4;
  font-family: var(--font-body);
}

.btn-primary {
  background: var(--apex-cobalt);
  color: #ffffff;
  box-shadow: 0 4px 12px rgba(0, 85, 255, 0.2);
}

.btn-primary:hover {
  background: var(--apex-cobalt-hover);
  color: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(0, 85, 255, 0.35);
}

.btn-secondary {
  background: #ffffff;
  color: var(--apex-navy);
  border-color: var(--border-light);
}

.btn-secondary:hover {
  background: var(--bg-subtle);
  border-color: #cbd5e1;
  color: var(--apex-navy);
  transform: translateY(-1px);
}

.btn-sm {
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  border-radius: var(--radius-xs);
}

.btn-lg {
  padding: 0.85rem 1.75rem;
  font-size: 1.05rem;
  border-radius: var(--radius-md);
}

.btn-danger {
  background: #ef4444;
  color: white;
}

.btn-danger:hover {
  background: #dc2626;
}

.btn-success {
  background: #10b981;
  color: white;
}

.btn-success:hover {
  background: #059669;
}


/* ==========================================================================
   REFINEMENT LAYER
   Accessibility, polish and responsive fixes applied on top of the
   base design system. Loaded last so these rules win.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Accessibility: visible keyboard focus everywhere
   -------------------------------------------------------------------------- */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 3px solid var(--apex-cobalt);
  outline-offset: 2px;
  border-radius: var(--radius-xs);
}

/* Never remove focus for keyboard users, only for mouse clicks */
:focus:not(:focus-visible) { outline: none; }

/* Skip link for screen reader / keyboard users */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 999;
  padding: 0.85rem 1.4rem;
  background: var(--apex-navy);
  color: #fff;
  font-weight: 700;
  border-radius: 0 0 var(--radius-sm) 0;
  text-decoration: none;
}
.skip-link:focus { left: 0; }

/* Respect reduced-motion preferences */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* --------------------------------------------------------------------------
   2. Mobile navigation drawer
   -------------------------------------------------------------------------- */
.nav-burger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 0 10px;
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xs);
  cursor: pointer;
  transition: var(--transition);
}
.nav-burger span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--apex-navy);
  border-radius: 2px;
  transition: var(--transition);
}
.nav-burger:hover { background: var(--apex-cobalt-light); border-color: var(--apex-cobalt); }
.nav-burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  display: none;
  flex-direction: column;
  gap: 0.25rem;
  padding: 1rem 1.5rem 1.5rem;
  background: var(--bg-white);
  border-top: 1px solid var(--border-light);
  box-shadow: var(--shadow-lg);
}
.mobile-menu.open { display: flex; }
.mobile-menu > a {
  padding: 0.9rem 0.25rem;
  font-weight: 700;
  font-size: 1rem;
  color: var(--text-title);
  text-decoration: none;
  border-bottom: 1px solid var(--border-subtle);
}
.mobile-menu > a:hover { color: var(--apex-cobalt); }
.mobile-menu-actions {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-top: 1rem;
}
.mobile-menu-login {
  display: block;
  text-align: center;
  padding: 0.9rem;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-full);
  font-weight: 700;
  color: var(--text-title);
  text-decoration: none;
}
.mobile-menu-login:hover { border-color: var(--apex-cobalt); color: var(--apex-cobalt); }
.mobile-menu-phone {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.15rem;
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border-subtle);
  font-size: 0.82rem;
  color: var(--text-muted);
}
.mobile-menu-phone a {
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--apex-cobalt);
  text-decoration: none;
}

@media (max-width: 1080px) {
  .nav-links { display: none; }
}
@media (max-width: 900px) {
  .nav-burger { display: flex; }
  .header-phone-box { display: none; }
  .nav-right-actions .nav-login-btn,
  .nav-right-actions .btn-apex-coral { display: none; }
}

/* --------------------------------------------------------------------------
   3. Range sliders — consistent across browsers
   -------------------------------------------------------------------------- */
.custom-range-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--radius-full);
  background: var(--border-light);
  cursor: pointer;
}
.custom-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 6px solid var(--apex-cobalt);
  box-shadow: 0 3px 10px rgba(0, 85, 255, 0.32);
  cursor: grab;
  transition: transform 0.15s ease;
}
.custom-range-slider::-webkit-slider-thumb:hover { transform: scale(1.12); }
.custom-range-slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.05); }
.custom-range-slider::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 6px solid var(--apex-cobalt);
  box-shadow: 0 3px 10px rgba(0, 85, 255, 0.32);
  cursor: grab;
}
.custom-range-slider::-moz-range-track {
  height: 8px;
  border-radius: var(--radius-full);
  background: var(--border-light);
}

/* --------------------------------------------------------------------------
   4. Form controls — clearer states
   -------------------------------------------------------------------------- */
.form-control {
  transition: var(--transition);
}
.form-control:hover:not(:disabled):not([readonly]) { border-color: #C7D2E0; }
.form-control:focus {
  border-color: var(--apex-cobalt);
  box-shadow: 0 0 0 4px rgba(0, 85, 255, 0.1);
  outline: none;
}
.form-control[aria-invalid="true"],
.form-control.is-invalid {
  border-color: var(--apex-coral);
  box-shadow: 0 0 0 4px rgba(255, 83, 73, 0.1);
}
.form-control:disabled,
.form-control[readonly] {
  background: var(--bg-subtle);
  cursor: not-allowed;
}
.field-error {
  display: block;
  margin-top: 0.4rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--apex-coral-hover);
}

/* --------------------------------------------------------------------------
   5. Buttons — consistent disabled + loading states
   -------------------------------------------------------------------------- */
.btn-apex-coral:disabled,
.btn-apex-primary:disabled,
.btn:disabled {
  opacity: 0.55;
  cursor: not-allowed;
  transform: none !important;
  box-shadow: none !important;
}
.is-loading { position: relative; color: transparent !important; pointer-events: none; }
.is-loading::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 18px;
  height: 18px;
  margin: -9px 0 0 -9px;
  border: 2.5px solid rgba(255, 255, 255, 0.35);
  border-top-color: #fff;
  border-radius: 50%;
  animation: apex-spin 0.7s linear infinite;
}
@keyframes apex-spin { to { transform: rotate(360deg); } }

/* --------------------------------------------------------------------------
   6. Modal polish — scroll lock friendly, mobile safe
   -------------------------------------------------------------------------- */
.modal-overlay {
  padding: 1.25rem;
  overscroll-behavior: contain;
}
.modal-box {
  max-height: min(90vh, 900px);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
body.modal-open { overflow: hidden; }

@media (max-width: 560px) {
  .modal-overlay { padding: 0; align-items: flex-end; }
  .modal-box {
    max-width: 100%;
    width: 100%;
    max-height: 92vh;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  }
}

/* --------------------------------------------------------------------------
   7. Wizard step affordances
   -------------------------------------------------------------------------- */
.wizard-step-head { margin-bottom: 1.5rem; }
.wizard-step-head h4 {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  color: var(--apex-navy);
  margin-bottom: 0.35rem;
  letter-spacing: -0.01em;
}
.wizard-step-head p { font-size: 0.88rem; color: var(--text-muted); }

.choice-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 0.6rem;
  margin-top: 0.4rem;
}
.choice-pill {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.8rem 0.7rem;
  text-align: center;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-body);
  background: #fff;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
}
.choice-pill:hover { border-color: var(--apex-cobalt); background: var(--apex-cobalt-light); }
.choice-pill.active {
  border-color: var(--apex-cobalt);
  background: var(--apex-cobalt-light);
  color: var(--apex-cobalt);
  box-shadow: 0 0 0 3px rgba(0, 85, 255, 0.1);
}

.review-list {
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 0.35rem 1.1rem;
  margin-bottom: 1.25rem;
}
.review-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.7rem 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.87rem;
}
.review-row:last-child { border-bottom: none; }
.review-row span { color: var(--text-muted); }
.review-row strong { color: var(--apex-navy); text-align: right; }

.credential-box {
  background: var(--apex-navy);
  color: #fff;
  border-radius: var(--radius-sm);
  padding: 1.1rem 1.25rem;
  margin: 1rem 0;
  text-align: left;
}
.credential-box .cred-label {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(255, 255, 255, 0.55);
  font-weight: 800;
}
.credential-box .cred-value {
  font-family: var(--font-mono);
  font-size: 1.05rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  word-break: break-all;
}
.credential-box .cred-row + .cred-row {
  margin-top: 0.85rem;
  padding-top: 0.85rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

/* --------------------------------------------------------------------------
   8. Toast notifications
   -------------------------------------------------------------------------- */
#toast-container {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 400;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  max-width: min(360px, calc(100vw - 3rem));
}
.apex-toast {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  padding: 0.95rem 1.1rem;
  background: #fff;
  border: 1px solid var(--border-light);
  border-left: 4px solid var(--apex-cobalt);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-title);
  animation: apex-toast-in 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}
.apex-toast.ok { border-left-color: var(--apex-emerald); }
.apex-toast.err { border-left-color: var(--apex-coral); }
.apex-toast.leaving { animation: apex-toast-out 0.25s ease forwards; }
@keyframes apex-toast-in { from { opacity: 0; transform: translateX(24px); } }
@keyframes apex-toast-out { to { opacity: 0; transform: translateX(24px); } }

@media (max-width: 560px) {
  #toast-container { left: 1rem; right: 1rem; bottom: 1rem; max-width: none; }
}

/* --------------------------------------------------------------------------
   9. Card hover depth
   -------------------------------------------------------------------------- */
.solution-card,
.review-card-master {
  transition: var(--transition);
}
.solution-card:hover,
.review-card-master:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

/* FAQ accordion smoothness */
.faq-item-card .faq-question-btn { cursor: pointer; user-select: none; }
.faq-item-card .faq-toggle-icon { transition: transform 0.25s ease; }
.faq-item-card.active .faq-toggle-icon { transform: rotate(45deg); }

/* --------------------------------------------------------------------------
   10. Tables scroll on small screens
   -------------------------------------------------------------------------- */
.comparison-card-table { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.comparison-table { min-width: 620px; }

/* --------------------------------------------------------------------------
   11. Print: keep documents readable
   -------------------------------------------------------------------------- */
@media print {
  .header, .footer, .nav-burger, .mobile-menu,
  #toast-container, .modal-overlay { display: none !important; }
  body { background: #fff; }
}

/* --------------------------------------------------------------------------
   12. Scroll-reveal (progressive enhancement only)
   Hidden state is gated behind .js-anim on <html>, so content is never
   stuck invisible when JavaScript is unavailable. Reduced motion is honoured.
   -------------------------------------------------------------------------- */
.js-anim .reveal {
  opacity: 0;
  transform: translateY(26px);
  transition:
    opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1),
    transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: opacity, transform;
}
.js-anim .reveal.visible {
  opacity: 1;
  transform: none;
}
.js-anim .reveal-delay-1 { transition-delay: 0.08s; }
.js-anim .reveal-delay-2 { transition-delay: 0.16s; }
.js-anim .reveal-delay-3 { transition-delay: 0.24s; }

@media (prefers-reduced-motion: reduce) {
  .js-anim .reveal {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
}

/* --------------------------------------------------------------------------
   13. Anchor targets clear the sticky header
   Without this, nav links scroll section headings underneath the fixed nav.
   -------------------------------------------------------------------------- */
section[id],
#calculator-section {
  scroll-margin-top: 96px;
}

/* --------------------------------------------------------------------------
   14. Hero ambient glow — matches the dashboard pages
   -------------------------------------------------------------------------- */
.hero-section::before,
.hero-section::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
}
.hero-section::before {
  width: 520px;
  height: 520px;
  right: -160px;
  top: -180px;
  background: radial-gradient(circle, rgba(0, 85, 255, 0.14), transparent 65%);
}
.hero-section::after {
  width: 420px;
  height: 420px;
  left: -140px;
  bottom: -180px;
  background: radial-gradient(circle, rgba(0, 200, 130, 0.11), transparent 65%);
}
.hero-section > .container {
  position: relative;
  z-index: 1;
}

/* --------------------------------------------------------------------------
   15. Selection + focus polish
   -------------------------------------------------------------------------- */
::selection {
  background: var(--apex-cobalt);
  color: #fff;
}
.btn-apex-coral,
.btn-apex-primary {
  position: relative;
}
.btn-apex-coral:hover,
.btn-apex-primary:hover {
  box-shadow:
    0 0 0 6px rgba(0, 85, 255, 0.08),
    0 14px 34px rgba(8, 23, 46, 0.22);
}