:root {
    --color-primary: #5a6e60;
    --color-secondary: #4a5a4f;
    --color-accent: #5a6e60;
    --color-surface: #f8fafc;
    --color-border: #e2e8f0;
    --color-footer-bg: #1f2937;
    --color-footer-text: #ffffff;
    --color-text: #1f2937;
    --color-text-light: #6b7280;
    --color-white: #ffffff;
    --spacing: 1rem;
    --spacing-sm: 0.5rem;
    --spacing-xl: 1.5rem;
    --max-width: 1080px;
    --border-width: 1px;
    --font-size-2xl: 1.5rem;
    --letter-spacing-tight: -0.025em;
    --radius-lg: 1.25rem;
    --shadow-lg: 0 20px 45px rgba(31, 41, 55, 0.12);
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: 'Manrope', system-ui, sans-serif;
    line-height: 1.6;
    color: var(--color-text);
    background: linear-gradient(180deg, #f2f6f2 0%, #ffffff 52%, #f8fafc 100%);
}

.site-shell {
    position: relative;
    overflow: hidden;
}

.site-shell::before,
.site-shell::after {
    content: '';
    position: absolute;
    border-radius: 999px;
    pointer-events: none;
    z-index: 0;
}

.site-shell::before {
    width: 440px;
    height: 440px;
    background: radial-gradient(circle at center, rgba(90, 110, 96, 0.18) 0%, rgba(90, 110, 96, 0) 72%);
    top: -180px;
    right: -120px;
}

.site-shell::after {
    width: 380px;
    height: 380px;
    background: radial-gradient(circle at center, rgba(74, 90, 79, 0.12) 0%, rgba(74, 90, 79, 0) 74%);
    left: -140px;
    top: 360px;
}

.container {
    width: 100%;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 1rem;
    position: relative;
    z-index: 1;
}

.site-header {
    padding: 1.25rem 0 0.75rem;
}

.header-bar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    background: rgba(255, 255, 255, 0.86);
    border: 1px solid rgba(90, 110, 96, 0.2);
    border-radius: 999px;
    padding: 0.7rem 1.1rem;
    backdrop-filter: blur(8px);
}

.site-title {
    margin: 0;
    display: inline-flex;
    align-items: center;
    gap: 0.65rem;
    font-size: 1.2rem;
    letter-spacing: var(--letter-spacing-tight);
    color: var(--color-primary);
    font-weight: 700;
}

.site-mark {
    display: inline-grid;
    place-items: center;
    width: 2rem;
    height: 2rem;
    border-radius: 999px;
    background: linear-gradient(140deg, var(--color-primary), var(--color-secondary));
    color: var(--color-white);
    font-size: 0.9rem;
    font-weight: 800;
    position: relative;
    box-shadow: 0 5px 12px rgba(31, 41, 55, 0.28), inset 0 1px 0 rgba(255, 255, 255, 0.55);
    text-shadow: 0 1px 1px rgba(0, 0, 0, 0.18);
}

.site-mark::before {
    content: '';
    position: absolute;
    top: 3px;
    left: 4px;
    right: 4px;
    height: 42%;
    border-radius: 999px;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.58), rgba(255, 255, 255, 0));
    pointer-events: none;
}

.header-note {
    font-size: 0.82rem;
    color: var(--color-text-light);
    white-space: nowrap;
}

.form-section {
    padding: 1rem 0 2.75rem;
}

.hero-grid {
    display: grid;
    grid-template-columns: minmax(320px, 500px) minmax(320px, 500px);
    gap: 0.9rem;
    align-items: stretch;
    justify-content: center;
    max-width: 1020px;
    margin: 0 auto;
}

.hero-panel {
    background: linear-gradient(160deg, rgba(90, 110, 96, 0.96) 0%, rgba(74, 90, 79, 0.94) 85%);
    border-radius: var(--radius-lg);
    color: var(--color-white);
    padding: 1.65rem 1.3rem;
    box-shadow: var(--shadow-lg);
    position: relative;
    overflow: hidden;
    isolation: isolate;
}

.hero-panel::before {
    content: '';
    position: absolute;
    width: 250px;
    height: 250px;
    border-radius: 999px;
    background: radial-gradient(circle at 35% 35%, rgba(255, 255, 255, 0.34) 0%, rgba(255, 255, 255, 0.12) 55%, rgba(255, 255, 255, 0) 72%);
    border: 1px solid rgba(255, 255, 255, 0.16);
    top: -34px;
    right: -34px;
    z-index: 0;
}

.hero-panel > * { position: relative; z-index: 2; }

.hero-title {
    margin: 0 0 0.75rem;
    font-size: clamp(1.65rem, 3vw, 2.3rem);
    line-height: 1.2;
    letter-spacing: -0.03em;
    max-width: 18ch;
}

.hero-copy {
    margin: 0;
    color: rgba(255, 255, 255, 0.9);
    max-width: 52ch;
}

.hero-points {
    margin: 1.4rem 0 0;
    padding: 0;
    list-style: none;
    display: grid;
    gap: 0.65rem;
}

.hero-points li {
    display: flex;
    align-items: flex-start;
    gap: 0.55rem;
    font-weight: 500;
}

.hero-points li::before {
    content: '';
    width: 0.52rem;
    height: 0.52rem;
    border-radius: 999px;
    background: #c9d9ce;
    box-shadow: 0 0 0 4px rgba(201, 217, 206, 0.28);
    flex-shrink: 0;
    margin-top: 0.42rem;
}

.hero-panel .form-card-head {
    margin-top: 1.05rem;
    padding: 0.9rem 1rem;
    border: 1px solid rgba(255, 255, 255, 0.26);
    border-radius: 0.9rem;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(2px);
}


.form-card {
    border-radius: var(--radius-lg);
    background: var(--color-white);
    border: 1px solid rgba(90, 110, 96, 0.2);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.form-card-head h2 {
    margin: 0;
    font-size: 1rem;
    color: #ffffff;
    font-weight: 700;
}

.form-card-head p {
    margin: 0.25rem 0 0;
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.92);
}

.form-container {
    padding: 0.35rem;
}

.steps-section {
    padding: 2rem 0 3.5rem;
}

.steps-wrap {
    border: 1px solid rgba(90, 110, 96, 0.16);
    border-radius: var(--radius-lg);
    background: var(--color-white);
    box-shadow: 0 12px 30px rgba(31, 41, 55, 0.06);
    padding: 2rem 1.25rem;
}

.steps-header {
    text-align: center;
    max-width: 800px;
    margin: 0 auto 1.5rem;
}

.steps-header h2 {
    margin: 0;
    font-size: clamp(1.45rem, 2.2vw, 1.95rem);
    color: var(--color-primary);
    letter-spacing: -0.02em;
}

.steps-header p {
    margin: 0.6rem 0 0;
    color: var(--color-text-light);
}

/* Override Cloudinary-rendered steps to avoid 3 separate cards */
#hero-steps .steps-container {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0;
    max-width: var(--max-width);
    margin: 0 auto;
    border: 1px solid rgba(90, 110, 96, 0.2);
    border-radius: 1rem;
    overflow: hidden;
    background: #ffffff;
    box-shadow: 0 12px 30px rgba(31, 41, 55, 0.06);
}

#hero-steps .step {
    text-align: center;
    padding: 1.4rem 1.15rem 1.25rem;
    background: transparent;
    border: 0;
    border-radius: 0;
    box-shadow: none;
    transition: background-color 0.2s ease;
}

#hero-steps .step + .step {
    border-left: 1px solid rgba(90, 110, 96, 0.14);
}

#hero-steps .step:hover {
    transform: none;
    box-shadow: none;
    background: #f8fbf9;
}

#hero-steps .step-icon {
    width: 54px;
    height: 54px;
    margin: 0 auto 0.85rem;
}

#hero-steps .step-title {
    margin: 0 0 0.4rem;
    font-size: 1.02rem;
    color: #1f2937;
}

#hero-steps .step-description {
    margin: 0;
    font-size: 0.96rem;
    color: var(--color-text-light);
}

.steps-grid {
    display: grid;
    gap: 0.95rem;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.step-card {
    border: 1px solid var(--color-border);
    border-radius: 1rem;
    padding: 1.1rem;
    background: #fbfdfc;
}

.step-number {
    width: 1.9rem;
    height: 1.9rem;
    border-radius: 999px;
    background: var(--color-primary);
    color: var(--color-white);
    display: inline-grid;
    place-items: center;
    font-size: 0.86rem;
    font-weight: 700;
    margin-bottom: 0.6rem;
}

.step-card h3 {
    margin: 0;
    color: var(--color-secondary);
    font-size: 1.02rem;
}

.step-card p {
    margin: 0.5rem 0 0;
    color: var(--color-text-light);
    font-size: 0.93rem;
}

.additional-content {
    min-height: 0;
}

.disclaimer {
    background: var(--color-surface, #f8fafc);
    padding: 2rem 1rem;
    font-size: 0.875rem;
    color: var(--color-text-light, #6b7280);
    border-top: 1px solid var(--color-border);
}

.disclaimer-content {
    max-width: var(--max-width);
    margin: 0 auto;
}

.site-footer {
    background: var(--color-footer-bg, #1f2937);
    color: var(--color-footer-text, #ffffff);
    padding: 2rem 1rem;
}

.footer-content {
    max-width: var(--max-width);
    margin: 0 auto;
}

.footer-links {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem 1rem;
    margin-bottom: 1rem;
}

.footer-links a {
    color: #d9e3ee;
    text-decoration: none;
    font-size: 0.92rem;
}

.footer-links a:hover {
    color: #ffffff;
    text-decoration: underline;
}

.footer-info {
    margin-bottom: 0.7rem;
    color: #e5edf5;
}

.footer-info p {
    margin: 0.2rem 0;
}

.copyright {
    margin: 0;
    color: #ced9e4;
    font-size: 0.9rem;
}

/* Mobile styles start here */
@media (max-width: 980px) {
    .container {
        padding: 0 0.6rem;
    }

    .site-header .container {
        padding: 0 0.35rem;
    }

    .form-section .container {
        padding: 0 0.35rem;
    }

    .hero-grid {
        grid-template-columns: 1fr;
        gap: 0.75rem;
    }

    #loan-form-container {
        order: -1;
        margin: 0;
    }

    .form-card {
        border-radius: 0.65rem;
        box-shadow: 0 10px 22px rgba(31, 41, 55, 0.12);
    }

    .form-container {
        padding: 0;
    }

    .hero-panel {
        padding: 1.35rem 1rem;
    }

    .header-note {
        display: none;
    }

    .steps-grid {
        grid-template-columns: 1fr;
    }

    .steps-section {
        padding-top: 1.5rem;
    }

    #hero-steps .steps-header {
        margin-bottom: 1.15rem;
    }

    #hero-steps .steps-container {
        grid-template-columns: 1fr;
        border-radius: 0.9rem;
    }

    #hero-steps .step {
        text-align: center;
        padding: 1.05rem 1rem;
    }

    #hero-steps .step + .step {
        border-left: 0;
        border-top: 1px solid rgba(90, 110, 96, 0.14);
    }

    #hero-steps .step-icon {
        margin: 0 auto 0.7rem;
    }
}