*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

img {
    max-width: 100%;
}

:root {
    --navy: #0d1f3c;
    --navy-light: #1a3257;
    --yellow: #ffd234;
    --yellow-dark: #e6bc1e;
    --blue: #1b5fd8;
    --blue-dark: #1449b8;
    --white: #ffffff;
    --grey-bg: #f5f7fa;
    --grey-text: #6b7280;
    --text: #111827;
    --border: #e5e7eb;
    --font: "DM Sans", sans-serif;
}

body {
    font-family: var(--font);
    color: var(--text);
    background: var(--white);
}

/* ── TOP BAR ── */
.top-bar {
    background: var(--yellow);
    text-align: center;
    padding: 8px 20px;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.02em;
    color: var(--navy);
}

/* ── NAV ── */
nav {
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 0 60px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 68px;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 1px 8px rgba(0, 0, 0, 0.06);
}

.logo {
    display: flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
}

.error {
    font-size: 14px;
    color: red;
    position: relative;
    top: 4px;
}

.logo-icon {
    width: 32px;
    height: 32px;
    background: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.logo-icon svg {
    width: 18px;
    height: 18px;
    fill: var(--yellow);
}

.logo-text {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.5px;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-links a {
    text-decoration: none;
    color: var(--text);
    font-size: 14px;
    font-weight: 500;
    transition: color 0.2s;
}

.nav-links a:hover {
    color: var(--blue);
}

.btn {
    display: inline-block !important;
    padding: 12px 28px;
    border-radius: 8px;
    font-family: var(--font);
    font-weight: 700 !important;
    font-size: 15px !important;
    cursor: pointer;
    border: none;
    transition:
        transform 0.15s,
        box-shadow 0.15s !important;
    text-decoration: none !important;
}

.btn:hover {
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.15);
}

.btn-yellow {
    background: var(--yellow);
    color: var(--navy);
}

.btn-blue {
    background: var(--blue);
    color: #ffffff !important;
}

.btn-blue:hover {
    background: var(--blue-dark);
}

.btn-outline {
    background: transparent;
    color: var(--navy);
    border: 2px solid var(--navy);
}

.btn_area a:first-child {
    background: #1e2f4a69;
    padding: 13px;
    border-radius: 10px;
    margin-top: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    font-family: var(--font);
    font-weight: 700 !important;
    font-size: 15px !important;
    color: #fff !important;
}

.s3-back a {
    background: #1e2f4a69;
    padding: 16px;
    border-radius: 10px;
    margin-top: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    font-family: var(--font);
    font-weight: 700 !important;
    font-size: 15px !important;
    color: #fff !important;
}

.btn_area a:first-child:hover,
.s3-back a:hover {
    background: #1e2f4a;
}

/* ── HERO ── */
.hero_sec {
    background: var(--navy);
    overflow: hidden;
    position: relative;
    padding-bottom: 180px;
}

.hero {
    background: var(--navy);
    padding: 72px 60px 0;
    display: grid;
    grid-template-columns: 1fr 440px;
    gap: 40px;
    align-items: start;
    max-width: 1440px;
    margin: 0 auto;
}

.hero::before {
    content: "";
    position: absolute;
    top: -80px;
    right: -80px;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(
        circle,
        rgba(255, 210, 52, 0.12) 0%,
        transparent 70%
    );
    pointer-events: none;
}

.hero-left {
    padding-bottom: 60px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(255, 210, 52, 0.15);
    border: 1px solid rgba(255, 210, 52, 0.3);
    color: var(--yellow);
    font-size: 12px;
    font-weight: 700;
    padding: 6px 14px;
    border-radius: 100px;
    margin-bottom: 24px;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}

.hero-badge span {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--yellow);
    display: inline-block;
}

.hero-sub {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 24px;
    line-height: 1.5;
}

.hero h1 {
    font-size: 56px;
    font-weight: 800;
    color: var(--white);
    line-height: 1.08;
    letter-spacing: -1.5px;
    margin-bottom: 24px;
}

.hero h1 em {
    color: var(--yellow);
    font-style: normal;
}

.hero-bullets {
    list-style: none;
    margin-bottom: 36px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.hero-bullets li {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255, 255, 255, 0.8);
    font-size: 15px;
}

.hero-bullets li::before {
    content: "✓";
    width: 22px;
    height: 22px;
    background: var(--yellow);
    color: var(--navy);
    font-size: 11px;
    font-weight: 800;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.hero-trust {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-top: 20px;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 8px;
    padding: 8px 14px;
    color: white;
    font-size: 13px;
}

.stars {
    color: var(--yellow);
    font-size: 14px;
}

.car_wrapper {
    max-width: 1440px;
    padding: 0 60px;
    margin: 0 auto;
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    top: 565px;
    width: 100%;
}

.car_banner_image {
    max-width: 580px;
}

.car_banner_image img {
    width: 100%;
    transform: rotate(-1deg);
}

.car_banner_image img {
    position: relative;
    animation: carMove 2s ease-out forwards;
}

@keyframes carMove {
    from {
        transform: translateX(-450px);
        /* start slightly off left */
        opacity: 0;
    }

    to {
        transform: translateX(0);
        /* end in original position */
        opacity: 1;
    }
}

/* ── FORM CARD ── */
.form-card {
    background: var(--white);
    border-radius: 16px;
    padding: 44px 32px;
    box-shadow: 0 -4px 40px rgba(0, 0, 0, 0.25);
    position: relative;
    margin-top: 20px;
    margin-bottom: 0;
    z-index: 9;
}

.form-step-label {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    font-weight: 700;
    color: var(--grey-text);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 20px;
}

.step-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--blue);
}

.step-track {
    flex: 1;
    height: 3px;
    border-radius: 2px;
    background: var(--border);
    position: relative;
}

.step-track::after {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 33%;
    background: var(--blue);
    border-radius: 2px;
}

.form-card label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 6px;
}

.form-group {
    margin-bottom: 16px;
}

.form-group .iti.iti--allow-dropdown.iti--separate-dial-code.iti--show-flags {
    width: 100%;
}

.form-card select,
.form-card input {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    font-family: var(--font);
    font-size: 15px;
    color: var(--text);
    background: white;
    outline: none;
    appearance: none;
    transition: border-color 0.2s;
}

.form-card select:focus,
.form-card input:focus {
    border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(27, 95, 216, 0.1);
}

.select-wrap {
    position: relative;
}

.select-wrap::after {
    content: "▾";
    position: absolute;
    right: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--grey-text);
    pointer-events: none;
    font-size: 14px;
}

.range-wrap input {
    padding: 0;
    border: none;
    appearance: auto;
    cursor: pointer;
}

.range-wrap input:focus,
.range-wrap input:hover {
    border: none !important;
    box-shadow: none !important;
}

.income-display span {
    font-weight: 600;
}

.btn_area {
    align-items: center;
    justify-content: space-between;
}

.income-display {
    text-align: center;
    margin-bottom: 5px;
}

.range-labels {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 35px;
}

.form-card .btn-blue {
    width: 100%;
    padding: 16px;
    font-size: 17px;
    border-radius: 10px;
    margin-top: 4px;
}

.form-footer {
    text-align: center;
    font-size: 12px;
    color: var(--grey-text);
    margin-top: 12px;
}

.form-footer a {
    color: var(--blue);
}

.expert-strip {
    background: var(--yellow);
    border-radius: 10px;
    padding: 14px 18px;
    display: flex;
    align-items: center;
    gap: 10px;
    margin-top: 16px;
}

.expert-strip p {
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
}

.expert-strip small {
    font-size: 11px;
    font-weight: 500;
    color: rgba(13, 31, 60, 0.65);
}

/* ── LENDERS ── */
.lenders {
    background: var(--white);
    padding: 40px 60px;
    border-bottom: 1px solid var(--border);
}

.lenders-inner {
    display: flex;
    align-items: center;
    gap: 40px;
    flex-wrap: wrap;
}

.lenders-label {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    white-space: nowrap;
    flex-shrink: 0;
    max-width: 180px;
    line-height: 1.3;
}

.lenders-label em {
    color: var(--blue);
    font-style: normal;
}

.lenders-logos {
    display: flex;
    align-items: center;
    gap: 28px;
    flex-wrap: wrap;
    flex: 1;
    justify-content: center;
}

.lender-logo {
    height: 28px;
    opacity: 0.55;
    filter: grayscale(1);
    font-size: 15px;
    font-weight: 800;
    color: #444;
    display: flex;
    align-items: center;
    transition: opacity 0.2s;
}

.lender-logo:hover {
    opacity: 1;
    filter: none;
}

/* ── HOW IT WORKS ── */
.how {
    background: var(--grey-bg);
    padding: 80px 60px;
    text-align: center;
}

.section-label {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--blue);
    margin-bottom: 12px;
}

.section-title {
    font-size: 38px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1px;
    margin-bottom: 16px;
    line-height: 1.1;
}

.section-sub {
    font-size: 16px;
    color: var(--grey-text);
    max-width: 500px;
    margin: 0 auto 52px;
    line-height: 1.6;
}

.steps {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr;
    gap: 0;
    max-width: 960px;
    margin: 0 auto;
    align-items: center;
}

.step-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0 8px;
}

.step-arrow svg {
    width: 28px;
    height: 28px;
    opacity: 0.25;
    transition: opacity 0.3s;
}

.steps:hover .step-arrow svg {
    opacity: 0.5;
}

.step-card {
    background: var(--white);
    border-radius: 16px;
    padding: 36px 28px;
    text-align: left;
    border: 1px solid var(--border);
    transition:
        transform 0.25s,
        box-shadow 0.25s,
        border-color 0.25s;
    position: relative;
    overflow: hidden;
    cursor: default;
    height: 100%;
}

.step-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 48px rgba(27, 95, 216, 0.12);
    border-color: rgba(27, 95, 216, 0.25);
}

.step-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--yellow);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.3s ease;
}

.step-card:hover::before {
    transform: scaleX(1);
}

.step-num {
    font-size: 48px;
    font-weight: 800;
    color: var(--yellow);
    line-height: 1;
    margin-bottom: 16px;
}

.step-icon {
    width: 48px;
    height: 48px;
    background: rgba(27, 95, 216, 0.08);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    transition:
        background 0.25s,
        transform 0.25s;
}

.step-icon svg {
    width: 22px;
    height: 22px;
    stroke: var(--blue);
    fill: none;
    stroke-width: 1.75;
    stroke-linecap: round;
    stroke-linejoin: round;
    transition: stroke 0.25s;
}

.step-card:hover .step-icon {
    background: var(--blue);
    transform: scale(1.08);
}

.step-card:hover .step-icon svg {
    stroke: white;
}

.step-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 14px;
    color: var(--grey-text);
    line-height: 1.6;
}

/* ── TESTIMONIALS CAROUSEL ── */
.testimonials {
    background: var(--navy);
    padding: 20px 60px 80px;
}

.testimonials .section-label {
    color: var(--yellow);
}

.testimonials .section-title {
    color: white;
}

.testimonials .section-sub {
    color: rgba(255, 255, 255, 0.6);
}

.carousel-wrap {
    max-width: 820px;
    margin: 0 auto;
    position: relative;
}

.carousel-track {
    overflow: hidden;
    border-radius: 20px;
}

.review-card {
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 20px;
    padding: 48px 52px;
    display: none;
    animation: fadeIn 0.35s ease;
}

.review-card.active {
    display: block;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(8px);
    }

    to {
        opacity: 1;
        transform: none;
    }
}

.review-quote {
    font-size: 38px;
    color: var(--yellow);
    line-height: 1;
    margin-bottom: 16px;
    font-family: Georgia, serif;
}

.review-stars {
    color: var(--yellow);
    font-size: 18px;
    margin-bottom: 20px;
    letter-spacing: 2px;
}

.review-text {
    font-size: 17px;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.75;
    margin-bottom: 32px;
    font-style: italic;
}

.review-author {
    display: flex;
    align-items: center;
    gap: 14px;
}

.review-avatar {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: var(--yellow);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 14px;
    color: var(--navy);
    flex-shrink: 0;
}

.review-name {
    font-size: 15px;
    font-weight: 700;
    color: white;
}

.review-loc {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.45);
    margin-top: 2px;
}

.carousel-controls {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    margin-top: 32px;
}

.carousel-btn {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    border: 1.5px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.06);
    color: white;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition:
        background 0.2s,
        border-color 0.2s,
        transform 0.2s;
}

.carousel-btn:hover {
    background: var(--yellow);
    border-color: var(--yellow);
    color: var(--navy);
    transform: scale(1.08);
}

.carousel-btn svg {
    width: 18px;
    height: 18px;
    stroke: currentColor;
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.carousel-dots {
    display: flex;
    gap: 8px;
    align-items: center;
}

.carousel-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.2);
    cursor: pointer;
    transition:
        background 0.2s,
        transform 0.2s;
}

.carousel-dot.active {
    background: var(--yellow);
    transform: scale(1.3);
}

/* ── FAQ ── */
.faq {
    background: var(--grey-bg);
    padding: 80px 60px;
}

.faq-inner {
    max-width: 760px;
    margin: 0 auto;
}

.faq-inner .section-title {
    text-align: center;
}

.faq-inner .section-label {
    text-align: center;
}

.faq-inner .section-sub {
    text-align: center;
}

.faq-list {
    margin-top: 40px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--white);
    border-radius: 12px;
    border: 1px solid var(--border);
    overflow: hidden;
}

.faq-question {
    padding: 18px 22px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    cursor: pointer;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    transition: background 0.15s;
    gap: 12px;
}

.faq-question:hover {
    background: var(--grey-bg);
}

.faq-icon {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 700;
    flex-shrink: 0;
    color: var(--navy);
    transition:
        background 0.2s,
        transform 0.3s;
}

.faq-item.open .faq-icon {
    background: var(--yellow);
    transform: rotate(45deg);
}

.faq-answer {
    display: none;
    padding: 0 22px 18px;
    font-size: 14px;
    color: var(--grey-text);
    line-height: 1.7;
    border-top: 1px solid var(--border);
    padding-top: 16px;
}

.faq-item.open .faq-answer {
    display: block;
}

.faq-cta {
    text-align: center;
    margin-top: 32px;
}

.faq-cta a {
    color: var(--blue);
    font-weight: 600;
    font-size: 14px;
}

.cta_area {
    background: var(--navy);
}

/* ── CTA SECTION ── */
.cta-section {
    background: var(--navy);
    padding: 80px 60px;
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    gap: 60px;
    max-width: 1170px;
    margin: 0 auto;
}

.cta-left h2 {
    font-size: 40px;
    font-weight: 800;
    color: white;
    letter-spacing: -1px;
    line-height: 1.1;
    margin-bottom: 16px;
}

.cta-left h2 em {
    color: var(--yellow);
    font-style: normal;
}

.cta-left p {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.6;
    max-width: 520px;
}

.cta-right {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 14px;
}

.cta-note {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.45);
    text-align: center;
}

/* ── FOOTER ── */
footer {
    background: #07111f;
    padding: 48px 60px 32px;
    color: rgba(255, 255, 255, 0.4);
    font-size: 12px;
    line-height: 1.8;
}

.footer-top {
    display: flex;
    gap: 12px;
    padding-bottom: 32px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    max-width: 820px;
    margin: 0 auto 32px;
}

.footer-logo {
    flex-shrink: 0;
    width: 100%;
    text-align: center;
}

.footer-logo .logo-text {
    color: white;
    font-size: 18px;
}

.footer-links {
    display: flex;
    gap: 24px;
    justify-content: center;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.5);
    text-decoration: none;
    font-size: 13px;
    transition: color 0.2s;
}

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

.footer-bottom {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
}

.footer-disclaimer {
    max-width: 820px;
    line-height: 1.6;
    text-align: center;
}

/* ── STEP 3 SUB-STEPS ── */
.s3step {
    animation: fadeIn 0.25s ease;
}

.s3q {
    font-size: 20px;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.3;
    margin-bottom: 20px;
    font-family: var(--font);
}

.s3-btns {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.s3-btns-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}

.s3-opt {
    width: 100%;
    padding: 14px 16px;
    background: var(--blue);
    color: white;
    border: none;
    border-radius: 10px;
    font-family: var(--font);
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition:
        background 0.15s,
        transform 0.1s;
    text-align: center;
}

.s3-opt:hover {
    background: var(--blue-dark);
    transform: translateY(-1px);
}

.s3-opt.selected {
    background: var(--navy);
    border: 2px solid var(--yellow);
}

.s3-back {
    text-align: center;
    margin-top: 14px;
}

.s3-back a {
    font-size: 13px;
    color: var(--grey-text);
    text-decoration: none;
    transition: color 0.2s;
}

.s3-back a:hover {
    color: var(--navy);
}

/* ── EXPERT CAR IMAGE ── */
.expert-img-wrap {
    position: relative;
    border-radius: 10px;
    overflow: hidden;
    margin-top: 16px;
    height: 150px;
}

.expert-car-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 55%;
    display: block;
    border-radius: 10px;
}

.expert-overlay {
    position: absolute;
    inset: 0;
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
    padding: 14px 16px;
    background: linear-gradient(
        to bottom,
        rgba(0, 0, 0, 0.15) 0%,
        rgba(0, 0, 0, 0) 60%
    );
}

.expert-label {
    display: inline-block;
    background: var(--yellow);
    color: var(--navy);
    font-size: 13px;
    font-weight: 800;
    padding: 6px 14px;
    border-radius: 6px;
    align-self: flex-start;
    margin-bottom: 6px;
}

.expert-sub {
    font-size: 11px;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.9);
    letter-spacing: 0.03em;
    text-shadow: 0 1px 3px rgba(0, 0, 0, 0.5);
    padding-left: 2px;
}

.form-lock-note {
    text-align: center;
    font-size: 12px;
    color: var(--grey-text);
    margin: 14px 0 10px;
}

/* Scroll reveal */
.reveal {
    opacity: 0;
    transform: translateY(24px);
    transition:
        opacity 0.5s,
        transform 0.5s;
}

.reveal.visible {
    opacity: 1;
    transform: none;
}

.mobile_lender,
.mobile_cta {
    display: none;
}

.lenders-title {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 6px;
}

.lenders-sub {
    font-size: 13px;
    color: var(--grey-text);
    margin-bottom: 16px;
}

.lender-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    justify-content: center;
}

.lender-pill {
    background: var(--grey-bg);
    border: 1px solid var(--border);
    border-radius: 100px;
    padding: 6px 14px;
    font-size: 12px;
    font-weight: 700;
    color: #555;
}

.cta-section h2 {
    font-size: 26px;
    font-weight: 800;
    color: white;
    letter-spacing: -0.5px;
    line-height: 1.15;
    margin-bottom: 14px;
}

.cta-bullets {
    list-style: none;
    margin-bottom: 24px;
    display: flex;
    flex-direction: column;
    gap: 8px;
    text-align: left;
}

.cta-bullets li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.5;
}

.cta-bullets li::before {
    content: "✓";
    width: 20px;
    height: 20px;
    background: var(--yellow);
    color: var(--navy);
    font-size: 10px;
    font-weight: 800;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px;
}

@media all and (max-width: 1199px) {
    .car_banner_image {
        max-width: 430px;
    }
}

@media all and (max-width: 1164px) {
    .car_wrapper {
        top: 624px;
    }
}

@media all and (max-width: 1132px) {
    .car_wrapper {
        top: 660px;
    }
}

@media all and (max-width: 1099px) {
    .hero_sec {
        padding-bottom: 25px;
    }

    .car_wrapper {
        top: inherit;
        position: relative;
    }
}

@media all and (min-width: 1310px) {
    .hero {
        grid-template-columns: 1fr 580px;
    }
}

@media all and (min-width: 1270px) {
    .hero {
        grid-template-columns: 1fr 540px;
    }
}

@media all and (min-width: 768px) {
    #sticky-bar {
        display: none;
    }
}

@media all and (min-width: 768px) and (max-width: 991px) {
    .lenders-logos {
        gap: 20px;
    }

    .hero {
        padding: 60px 15px 0;
        display: grid;
        grid-template-columns: 1fr 350px;
        gap: 20px;
    }

    .hero h1 {
        font-size: 48px;
    }

    .banner_car img {
        height: 120px !important;
    }

    .car_wrapper {
        padding: 0 15px;
    }

    .car_banner_image {
        max-width: 380px;
    }
}

/* ============================================ */
/* MOBILE VERSION (max-width: 767px)            */
/* ============================================ */
@media all and (max-width: 767px) {
    .banner_car {
        display: none;
    }

    .mobile_section_position {
        display: flex;
        flex-wrap: wrap;
        width: 100%;
    }

    .lenders.reveal.visible.mobile_lender {
        order: 1;
    }

    .how {
        order: 2;
    }

    .testimonials {
        order: 3;
    }

    .faq-cta {
        display: none;
    }

    .mobile_lender,
    .mobile_cta {
        display: block;
    }

    .desktop_lender,
    .desktop_cta {
        display: none !important;
    }

    body {
        font-size: 16px;
        padding-bottom: 67px;
    }

    /* ── TOP BAR ── */
    .top-bar {
        padding: 7px 12px;
        font-size: 11px;
        white-space: nowrap;
        overflow: hidden;
        text-overflow: ellipsis;
    }

    /* ── NAV ── */
    nav {
        padding: 0 20px;
        height: 58px;
        z-index: 200;
        width: 100%;
    }

    .logo-icon {
        width: 28px;
        height: 28px;
    }

    .logo-icon svg {
        width: 16px;
        height: 16px;
        fill: var(--yellow);
    }

    .logo-text {
        font-size: 20px;
    }

    .nav-links a {
        display: none;
    }

    .nav-links .btn.btn-blue {
        display: inline-block;
    }

    .nav-cta {
        display: inline-flex;
        align-items: center;
        padding: 10px 18px;
        border-radius: 8px;
        font-family: var(--font);
        font-weight: 700;
        font-size: 14px;
        cursor: pointer;
        border: none;
        background: var(--blue);
        color: var(--white);
        text-decoration: none;
        min-height: 40px;
    }

    .nav-cta:hover {
        background: var(--blue-dark);
    }

    /* ── HERO ── */

    .car_banner_image {
        max-width: 380px;
    }

    .car_wrapper {
        margin-top: 30px;
        padding: 0 15px;
    }

    .hero_sec {
        padding: 40px 20px 30px;
    }

    .hero {
        padding: 0;
        display: block;
    }

    .hero::before {
        display: none;
    }

    .hero-left {
        padding-bottom: 0;
    }

    .hero-badge {
        gap: 6px;
        font-size: 11px;
        padding: 6px 12px;
        margin-bottom: 18px;
    }

    .hero-badge span {
        width: 6px;
        height: 6px;
        background: var(--yellow);
        flex-shrink: 0;
    }

    .hero h1 {
        font-size: 36px;
        line-height: 1.1;
        letter-spacing: -1px;
        margin-bottom: 14px;
    }

    .hero-sub {
        font-size: 15px;
        margin-bottom: 24px;
        line-height: 1.55;
    }

    .hero-bullets {
        margin-bottom: 24px;
        gap: 12px;
    }

    .hero-bullets li {
        align-items: flex-start;
        font-size: 14px;
        color: rgba(255, 255, 255, 0.85);
        line-height: 1.5;
    }

    .hero-bullets li::before {
        content: "✓";
        width: 20px;
        height: 20px;
        font-size: 10px;
        margin-top: 1px;
    }

    .hero-trust {
        gap: 10px;
        flex-wrap: wrap;
        padding-bottom: 24px;
    }

    .trust-badge {
        gap: 6px;
        padding: 7px 12px;
        font-size: 12px;
        font-weight: 600;
    }

    .stars {
        font-size: 13px;
    }

    /* ── FORM CARD ── */
    .form-card {
        border-radius: 16px;
        padding: 24px 20px;
        box-shadow: 0 8px 32px rgba(0, 0, 0, 0.18);
        margin: 0;
    }

    .form-step-label {
        margin-bottom: 16px;
    }

    .step-track::after {
        width: 33%;
    }

    .form-group {
        margin-bottom: 14px;
    }

    .form-card select,
    .form-card input {
        padding: 12px 14px;
        font-size: 16px;
        -webkit-appearance: none;
    }

    .form-card input {
        padding: 12px 14px;
        font-size: 16px;
        -webkit-appearance: none;
    }

    .monthly_income_class {
        padding: 0 !important;
    }

    .form-card .btn-blue {
        padding: 0 16px;
        height: 50px;
        font-size: 16px;
        min-height: 50px;
    }

    .form-card .btn-blue:active {
        transform: scale(0.98);
    }

    .btn-back {
        background: none;
        border: none;
        color: var(--grey-text);
        font-size: 13px;
        cursor: pointer;
        padding: 8px 0;
        display: inline-block;
    }

    .form-divider {
        border: none;
        border-top: 1px solid var(--border);
        margin: 16px 0;
    }

    .form-footer {
        margin-top: 10px;
        line-height: 1.5;
    }

    .progress-bar-wrap {
        height: 4px;
        background: var(--border);
        border-radius: 2px;
        overflow: hidden;
        margin-bottom: 20px;
    }

    #step-fill {
        height: 100%;
        background: var(--blue);
        width: 33%;
        border-radius: 2px;
        transition: width 0.4s;
    }

    /* ── STEP 3 SUB-STEPS MOBILE ── */
    .s3q {
        font-size: 19px;
        margin-bottom: 18px;
    }

    .s3-btns {
        gap: 10px;
    }

    .s3-btns-grid {
        display: flex;
        flex-direction: column;
        gap: 10px;
    }

    .s3-opt {
        padding: 14px 16px;
        font-size: 15px;
        min-height: 48px;
    }

    .s3-opt:hover {
        background: var(--blue-dark);
    }

    .s3-opt.selected {
        background: var(--navy);
        border: 2px solid var(--yellow);
    }

    .s3-back {
        margin-top: 12px;
    }

    .s3-progress-wrap {
        height: 4px;
        background: var(--border);
        border-radius: 2px;
        overflow: hidden;
        margin-bottom: 20px;
    }

    #s3-bar {
        height: 100%;
        background: var(--blue);
        width: 0%;
        border-radius: 2px;
        transition: width 0.35s;
    }

    /* Income slider */
    .slider-wrap {
        margin-bottom: 14px;
    }

    .slider-label {
        display: flex;
        justify-content: space-between;
        font-size: 13px;
        font-weight: 600;
        color: var(--navy);
        margin-bottom: 8px;
    }

    input[type="range"] {
        width: 100%;
        -webkit-appearance: none;
        height: 6px;
        border-radius: 3px;
        background: var(--border);
        outline: none;
    }

    input[type="range"]::-webkit-slider-thumb {
        -webkit-appearance: none;
        width: 24px;
        height: 24px;
        border-radius: 50%;
        background: var(--blue);
        cursor: pointer;
        box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
    }

    /* Toggle */
    .toggle-row {
        display: flex;
        align-items: center;
        justify-content: space-between;
        padding: 12px 0;
        gap: 10px;
    }

    .toggle-label {
        font-size: 14px;
        font-weight: 600;
        color: var(--navy);
    }

    .toggle-btn {
        width: 52px;
        height: 28px;
        border-radius: 14px;
        background: var(--border);
        border: none;
        cursor: pointer;
        position: relative;
        transition: background 0.2s;
        flex-shrink: 0;
    }

    .toggle-btn.on {
        background: var(--blue);
    }

    .toggle-btn::after {
        content: "";
        position: absolute;
        top: 3px;
        left: 3px;
        width: 22px;
        height: 22px;
        border-radius: 50%;
        background: white;
        transition: left 0.2s;
        box-shadow: 0 1px 4px rgba(0, 0, 0, 0.2);
    }

    .toggle-btn.on::after {
        left: 27px;
    }

    /* Done state */
    #fs-done {
        text-align: center;
        padding: 20px 0;
    }

    .done-icon {
        width: 60px;
        height: 60px;
        background: var(--blue);
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        margin: 0 auto 16px;
        font-size: 28px;
        color: white;
    }

    /* Persistent CTA */
    #persistent-cta {
        display: none;
        margin-top: 16px;
        padding-top: 16px;
        border-top: 1px solid var(--border);
    }

    /* ── LENDERS MOBILE ── */
    .lenders {
        padding: 32px 20px;
        border-top: 1px solid var(--border);
        border-bottom: 1px solid var(--border);
        text-align: center;
    }

    .lenders-inner {
        display: block;
    }

    .lenders-label {
        white-space: normal;
        max-width: none;
        margin-bottom: 12px;
        font-size: 14px;
    }

    .lenders-logos {
        justify-content: center;
        gap: 16px;
    }

    .lender-logo {
        height: 24px;
        font-size: 13px;
    }

    /* ── SECTIONS GENERAL MOBILE ── */
    section {
        padding: 48px 20px;
    }

    .section-label {
        margin-bottom: 10px;
    }

    .section-title {
        font-size: 26px;
        letter-spacing: -0.5px;
        margin-bottom: 12px;
    }

    .section-sub {
        font-size: 15px;
        margin-bottom: 28px;
    }

    /* ── HOW IT WORKS MOBILE ── */
    .how {
        background: var(--grey-bg);
        padding: 48px 20px;
    }

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

    .step-arrow {
        transform: rotate(90deg);
        padding: 4px 0;
    }

    .step-arrow svg {
        opacity: 0.4;
        width: 24px;
        height: 24px;
    }

    .step-card {
        padding: 24px 20px;
        width: 100%;
    }

    .step-card:hover {
        transform: none;
    }

    .step-num {
        font-size: 40px;
        margin-bottom: 10px;
    }

    .step-card h3 {
        font-size: 17px;
        margin-bottom: 6px;
    }

    .step-card p {
        font-size: 14px;
    }

    /* ── TESTIMONIALS MOBILE ── */
    .testimonials {
        padding: 48px 20px;
    }

    .review-card {
        padding: 24px 20px;
    }

    .review-tag {
        display: inline-block;
        background: var(--yellow);
        color: var(--navy);
        font-size: 11px;
        font-weight: 800;
        padding: 4px 12px;
        border-radius: 100px;
        margin-bottom: 12px;
    }

    .review-quote {
        font-size: 28px;
        margin-bottom: 10px;
    }

    .review-stars {
        font-size: 16px;
        margin-bottom: 14px;
    }

    .review-text {
        font-size: 14px;
        margin-bottom: 20px;
    }

    .review-author {
        gap: 12px;
    }

    .review-avatar {
        width: 40px;
        height: 40px;
        font-size: 13px;
    }

    .review-name {
        font-size: 14px;
    }

    .review-loc {
        font-size: 12px;
    }

    .carousel-controls {
        gap: 14px;
        margin-top: 20px;
    }

    .carousel-btn {
        width: 44px;
        height: 44px;
        min-height: 44px;
    }

    /* ── FAQ MOBILE ── */
    .faq {
        padding: 48px 20px;
    }

    .faq-list {
        margin-top: 24px;
        gap: 10px;
    }

    .faq-question {
        padding: 18px 16px;
        font-size: 14px;
        min-height: 48px;
    }

    .faq-icon {
        width: 24px;
        height: 24px;
        font-size: 16px;
    }

    .faq-answer {
        padding: 0 16px 16px;
        font-size: 14px;
        padding-top: 14px;
    }

    /* ── CTA SECTION MOBILE ── */
    .cta-section {
        padding: 48px 20px;
        display: block;
        text-align: center;
    }

    .cta-left {
        margin-bottom: 28px;
    }

    .cta-left h2 {
        font-size: 26px;
        margin-bottom: 14px;
    }

    .cta-left p {
        font-size: 15px;
        max-width: none;
    }

    .cta-right {
        width: 100%;
    }

    .btn-cta-yellow {
        display: flex;
        align-items: center;
        justify-content: center;
        width: 100%;
        height: 52px;
        font-size: 16px;
        background: var(--yellow);
        color: var(--navy);
        min-height: 52px;
        border-radius: 10px;
        border: none;
        font-weight: 700;
        cursor: pointer;
    }

    .btn-cta-yellow:hover {
        background: var(--yellow-dark);
    }

    .cta-note {
        margin-top: 10px;
    }

    /* ── FOOTER MOBILE ── */
    footer {
        padding: 36px 20px 24px;
    }

    .footer-top {
        flex-direction: column;
        gap: 20px;
        margin-bottom: 24px;
        padding-bottom: 20px;
    }

    .footer-logo .logo-text {
        font-size: 18px;
    }

    .footer-links {
        display: flex;
        flex-wrap: wrap;
        gap: 10px;
        margin: 0;
        padding-bottom: 0;
        border-bottom: none;
    }

    .footer-links a {
        font-size: 13px;
    }

    .footer-bottom {
        flex-direction: column;
        align-items: flex-start;
    }

    .footer-disclaimer {
        font-size: 11px;
    }

    /* ── STICKY BOTTOM BAR ── */
    #sticky-bar {
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        background: var(--navy);
        padding: 12px 20px;
        padding-bottom: calc(12px + env(safe-area-inset-bottom));
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 14px;
        z-index: 300;
        box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.3);
        transition: transform 0.3s;
        margin: 0 auto;
    }

    .sticky-bar-text {
        font-size: 13px;
        font-weight: 600;
        color: white;
        line-height: 1.4;
        max-width: 260px;
    }

    .sticky-bar-btn {
        display: flex;
        align-items: center;
        justify-content: center;
        background: var(--yellow);
        color: var(--navy);
        font-family: var(--font);
        font-size: 14px;
        font-weight: 700;
        border: none;
        border-radius: 8px;
        padding: 0 18px;
        height: 44px;
        cursor: pointer;
        white-space: nowrap;
        min-height: 44px;
        flex-shrink: 0;
        transition: background 0.2s;
    }

    .sticky-bar-btn:hover {
        background: var(--yellow-dark);
    }

    /* Scroll reveal mobile adjustment */
    .reveal {
        opacity: 0;
        transform: translateY(20px);
        transition:
            opacity 0.5s,
            transform 0.5s;
    }

    .reveal.visible {
        opacity: 1;
        transform: none;
    }

    /* Expert strip mobile */
    .expert-strip {
        margin-top: 16px;
    }

    .expert-img-wrap {
        height: 140px;
    }

    .expert-label {
        font-size: 12px;
        padding: 5px 12px;
    }

    .expert-sub {
        font-size: 10px;
    }
}

@media all and (max-width: 385px) {
    .hero h1 {
        font-size: 33px;
    }
}