/* styles/main.css */

/* --- Google Fonts Import --- */
@import url('https://fonts.googleapis.com/css2?family=Instrument+Serif:ital@0;1&family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

/* --- Design Variables --- */
:root {
    --font-serif: 'Instrument Serif', serif;
    --font-sans: 'Plus Jakarta Sans', sans-serif;

    /* Colors */
    --color-bg: #FCFBFA;
    --color-text-main: #0B0F19;
    --color-text-muted: #5E6573;
    --color-primary: #000000;
    --color-primary-hover: #1e1e1e;
    --color-accent: #E85D04;
    /* Orange brush stroke */
    --color-success: #10B981;
    --color-success-bg: #ECFDF5;
    --color-border: #E5E7EB;
    --color-card-bg: #FFFFFF;
    --color-modal-bg: rgba(252, 251, 250, 0.95);

    /* Shadows */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -1px rgba(0, 0, 0, 0.04);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -2px rgba(0, 0, 0, 0.03);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);

    /* Transitions */
    --transition-smooth: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* --- Base & Reset --- */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: "Roobert TRIAL";
}

html {
    scroll-behavior: smooth;
}

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

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

button {
    font-family: var(--font-sans);
    cursor: pointer;
    border: none;
    background: none;
    transition: var(--transition-smooth);
}

input {
    font-family: var(--font-sans);
    outline: none;
}

/* --- Main Layout & Containers --- */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* --- Header & Navigation --- */
.header {
    width: 100%;
    background-color: rgba(252, 251, 250, 0.8);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid #EEEEEE;
    position: fixed;
    top: 0;
    left: 0;
    z-index: 100;
}

.nav-container {
    height: 100px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
}

.logo-img {
    width: 160px;
    width: auto;
    display: block;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 60px;
}

.nav-link {
    font-size: 14px;
    line-height: 22px;
    font-weight: 400;
    color: #000000;
}

.nav-link:hover {
    color: var(--color-text-main);
}

.btn-header {
    border: 1.5px solid #000000;
    padding: 16px 24px;
    border-radius: 6px;
    font-size: 14px;
    line-height: 20px;
    font-weight: 500;
    width: 147px;
    background: transparent;
    color: #000;
    text-align: center;
}

.btn-header:hover {
    background-color: var(--color-primary);
    color: #ffffff;
    box-shadow: var(--shadow-sm);
}

.menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 24px;
    height: 18px;
}

.menu-toggle span {
    display: block;
    height: 2.5px;
    width: 100%;
    background-color: var(--color-primary);
    border-radius: 2px;
    transition: var(--transition-smooth);
}

/* --- Hero Section --- */
.hero {
    padding-top: 230px;
    padding-bottom: 160px;
    text-align: center;
    min-height: 80vh;
    display: flex;
    align-items: center;
}

.hero-content {
    max-width: 800px;
    margin: 0 auto;
}

.hero-title {
    font-size: 64px;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 24px;
}

.main-heading {
    width: 640px;
    margin-bottom: 20px;
}

.hero-title-serif {
    font-family: var(--font-serif);
    font-style: italic;
    font-weight: 400;
    position: relative;
    z-index: 1;
    white-space: nowrap;
}

.hero-title-serif::after {
    content: "";
    position: absolute;
    left: -4%;
    bottom: 2px;
    width: 108%;
    height: 10px;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 10' preserveAspectRatio='none'%3E%3Cpath d='M3 7 C 25 4, 65 3, 97 6 C 75 8, 30 9, 3 7' fill='%23E85D04'/%3E%3C/svg%3E");
    background-size: 100% 100%;
    background-repeat: no-repeat;
    z-index: -1;
}

.hero-title-sans {
    display: block;
    font-weight: 800;
}

.hero-title-sans-light {
    font-family: var(--font-serif);
    font-weight: 400;
    font-style: normal;
}

.hero-subtitle {
    font-size: 18px;
    color: #000;
    line-height: 22px;
    font-weight: 400;
    max-width: 600px;
    margin: 0 auto 40px auto;
}

.hero-cta {
    display: flex;
    justify-content: center;
    gap: 16px;
}

.btn-primary {
    background-color: var(--color-primary);
    color: #ffffff;
    padding: 16px 32px;
    border-radius: 8px;
    font-size: 16px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    box-shadow: var(--shadow-md);
}

.btn-arrow-img,
.cta-arrow-img {
    width: 18px;
    height: 14px;
    display: inline-block;
    vertical-align: middle;
}

.why-choose-arrow-img {
    width: 18px;
    height: 14px;
    display: block;
}

.video-btn-icon {
    width: 9px;
    height: 10px;
    display: inline-block;
    vertical-align: middle;
}

.btn-primary:hover {
    background-color: var(--color-primary-hover);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-secondary {
    background-color: #ffffff;
    color: var(--color-primary);
    border: 1px solid var(--color-border);
    padding: 16px 32px;
    border-radius: 8px;
    font-size: 16px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
    border-color: var(--color-primary);
    background-color: var(--color-bg);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* --- Features Section (How It Works) --- */
.section {
    padding: 100px 0;
}

.section-bg {
    background-color: #F7F5F2;
    border-top: 1px solid var(--color-border);
    border-bottom: 1px solid var(--color-border);
}

.section-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 60px auto;
}

.section-tag {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--color-accent);
    margin-bottom: 12px;
    display: block;
}

.section-title {
    font-size: 38px;
    font-weight: 800;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.feature-card {
    background-color: var(--color-card-bg);
    padding: 40px;
    border-radius: 12px;
    border: 1px solid var(--color-border);
    transition: var(--transition-smooth);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background-color: var(--color-primary);
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--transition-smooth);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: #E2E8F0;
}

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

.feature-num {
    font-size: 32px;
    font-family: var(--font-serif);
    font-style: italic;
    color: var(--color-accent);
    margin-bottom: 20px;
}

.feature-title {
    font-size: 20px;
    font-weight: 700;
    margin-bottom: 12px;
}

.feature-desc {
    color: var(--color-text-muted);
    font-size: 15px;
    line-height: 1.6;
}

/* --- Benefits Section --- */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
    align-items: center;
}

.benefits-content {
    padding-right: 40px;
}

.benefits-list {
    margin-top: 30px;
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.benefit-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.benefit-icon {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background-color: var(--color-success-bg);
    color: var(--color-success);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 12px;
    font-weight: bold;
    margin-top: 2px;
}

.benefit-title {
    font-weight: 700;
    font-size: 16px;
    margin-bottom: 4px;
}

.benefit-desc {
    color: var(--color-text-muted);
    font-size: 14px;
}

.benefits-visual {
    background: linear-gradient(135deg, #FFF 0%, #F5F7FA 100%);
    border: 1px solid var(--color-border);
    border-radius: 16px;
    padding: 40px;
    box-shadow: var(--shadow-xl);
    position: relative;
}

/* --- Calculator Eligibility Modal --- */
.modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(11, 15, 25, 0.4);
    backdrop-filter: blur(8px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 1000;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.modal.active {
    opacity: 1;
    pointer-events: auto;
}

.modal-content {
    background-color: var(--color-card-bg);
    width: 100%;
    max-width: 600px;
    border-radius: 16px;
    box-shadow: var(--shadow-xl);
    overflow: hidden;
    position: relative;
    transform: translateY(20px);
    transition: transform 0.3s ease;
}

.modal.active .modal-content {
    transform: translateY(0);
}

.modal-close {
    position: absolute;
    top: 20px;
    right: 20px;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background-color: #F3F4F6;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: var(--color-text-muted);
    z-index: 10;
}

.modal-close:hover {
    background-color: #E5E7EB;
    color: var(--color-text-main);
}

/* Form Wizard Multi-Steps */
.wizard-header {
    background-color: #F9FAFB;
    padding: 30px 40px;
    border-bottom: 1px solid var(--color-border);
}

.wizard-title {
    font-size: 22px;
    font-weight: 800;
    margin-bottom: 8px;
}

.wizard-progress {
    height: 4px;
    background-color: #E5E7EB;
    border-radius: 2px;
    position: relative;
}

.wizard-progress-bar {
    position: absolute;
    top: 0;
    left: 0;
    height: 100%;
    width: 25%;
    background-color: var(--color-primary);
    border-radius: 2px;
    transition: width 0.3s ease;
}

.wizard-body {
    padding: 40px;
}

.wizard-step {
    display: none;
}

.wizard-step.active {
    display: block;
    animation: fadeIn 0.4s ease;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(5px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.form-group {
    margin-bottom: 24px;
}

.form-label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 8px;
}

.form-input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.form-prefix {
    position: absolute;
    left: 16px;
    font-weight: 600;
    color: var(--color-text-muted);
}

.form-control {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--color-border);
    border-radius: 8px;
    font-size: 16px;
    background-color: #FFFFFF;
    transition: var(--transition-smooth);
}

.form-control-has-prefix {
    padding-left: 32px;
}

.form-control:focus {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(0, 0, 0, 0.05);
}

/* Range Slider */
.slider-container {
    margin-top: 12px;
}

.range-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: #E5E7EB;
    outline: none;
}

.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--color-primary);
    cursor: pointer;
    transition: transform 0.1s ease;
}

.range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
}

.wizard-footer {
    padding: 0 40px 40px 40px;
    display: flex;
    justify-content: space-between;
}

.btn-wizard-next {
    background-color: var(--color-primary);
    color: #ffffff;
    padding: 12px 28px;
    border-radius: 6px;
    font-size: 15px;
    font-weight: 600;
    margin-left: auto;
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-wizard-next:hover {
    background-color: var(--color-primary-hover);
}

.btn-wizard-back {
    color: var(--color-text-muted);
    font-size: 15px;
    font-weight: 600;
}

.btn-wizard-back:hover {
    color: var(--color-text-main);
}

/* Results Step Presentation */
.results-comparison {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 24px;
}

.result-card {
    border: 1px solid var(--color-border);
    border-radius: 8px;
    padding: 16px 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.result-card.highlight {
    background-color: var(--color-success-bg);
    border-color: #A7F3D0;
}

.result-card-title {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--color-text-muted);
    margin-bottom: 4px;
}

.result-card.highlight .result-card-title {
    color: var(--color-success);
}

.result-card-val {
    font-size: 22px;
    font-weight: 800;
}

.result-savings-badge {
    background-color: #FEF3C7;
    color: #D97706;
    padding: 6px 12px;
    border-radius: 20px;
    font-size: 14px;
    font-weight: 700;
    text-align: center;
    margin-top: 10px;
}

/* --- Video Modal --- */
.video-container {
    position: relative;
    padding-bottom: 56.25%;
    /* 16:9 ratio */
    height: 0;
    overflow: hidden;
    max-width: 100%;
}

.video-container iframe,
.video-container video {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    border: 0;
}

/* --- Footer --- */
.footer {
    border-top: 1px solid var(--color-border);
    padding: 40px 0;
    text-align: center;
    background-color: #FFFFFF;
}

.footer-logo {
    margin-bottom: 12px;
}

.footer-copy {
    color: var(--color-text-muted);
    font-size: 14px;
}

/* ==========================================================================
   Trust Badges & Interactive Calculator Sections
   ========================================================================== */

/* --- Trust Section --- */
.trust-section {
    padding: 110px 0;
    background: linear-gradient(180deg, #F5F5F5 0%, #FFFFFF 100%);
}

.trust-main-title {
    font-size: 48px;
    line-height: 54px;
    font-weight: 650;
    text-align: center;
    margin-bottom: 58px;
    color: #000000;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 24px;
    margin-bottom: 140px;
}

.trust-card-wrapper {
    display: flex;
    flex-direction: column;
    align-items: stretch;
}

.trust-card {
    /* background-color: #EDEDED; */
    border: none;
    border-radius: 28px;
    /* padding: 24px; */
    display: flex;
    align-items: center;
    justify-content: center;
    aspect-ratio: 1 / 1;
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.trust-card-wrapper:hover .trust-card {
    transform: translateY(-8px);
    /* box-shadow: 0 16px 32px rgba(0, 0, 0, 0.08); */
}

.title-card-wrapper {
    display: none;
    /* Only visible on mobile */
}

.trust-img-icon {
    width: 100%;
}

.trust-card.title-card {
    background-color: #000000;
    color: #ffffff;
    text-align: left;
    align-items: flex-start;
    justify-content: center;
}

.trust-mobile-title {
    font-size: 26px;
    font-weight: 800;
    line-height: 1.15;
}

.trust-mobile-title .highlight-orange {
    color: #FF5E00;
}

.trust-mobile-title .logo-white {
    height: 28px;
    width: auto;
    display: block;
    margin-top: 8px;
}

.trust-icon-wrapper {
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.trust-img-icon {
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.trust-card-text {
    font-size: 16px;
    font-weight: 500;
    line-height: 20px;
    color: #000;
    margin-top: 20px;
    margin-left: 20px;
    text-align: left;
    padding: 0;
}

/* --- Dark Calculator Container --- */
.calc-section-container {
    width: 100%;
}

.calc-card {
    background-color: #000;
    border: 2px solid #141414;
    border-radius: 10px;
    padding: 60px;
    color: #ffffff;
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 50px;
    align-items: center;
    backdrop-filter: blur(0px);
}

.calc-inputs-col {
    display: flex;
    flex-direction: column;
}

.calc-title {
    font-size: 36px;
    font-weight: 800;
    margin-bottom: 35px;
    line-height: 1.2;
}

.calc-toggle-container {
    display: inline-flex;
    background-color: #0C0C0C;
    border-radius: 50px;
    padding: 10px;
    margin-bottom: 40px;
    border: 1px solid #3A3A3A;
    width: fit-content;
}

.calc-toggle-btn {
    border-radius: 50px;
    padding: 15px 0;
    font-size: 16px;
    width: 219px;
    line-height: 26px;
    font-weight: 400;
    color: #fff;
    transition: var(--transition-smooth);
    border: none;
    background: transparent;
}

.calc-toggle-btn.active {
    background: linear-gradient(270deg, #FF9000 -7.01%, #FF0D00 110.41%);
    color: #ffffff;
    box-shadow: 0 4px 14px rgba(255, 94, 0, 0.35);
}

.calc-tab-content {
    display: none;
}

.calc-tab-content.active {
    display: block;
    animation: fadeIn 0.4s ease;
}

.calc-control-group {
    margin-bottom: 35px;
}

.calc-control-label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: #9CA3AF;
    margin-bottom: 12px;
    text-transform: uppercase;
}

.calc-input-box {
    border-bottom: 2px solid #374151;
    padding-bottom: 8px;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
}

.calc-text-input {
    background: transparent;
    border: none;
    color: #ffffff;
    font-size: 36px;
    font-weight: 800;
    width: 100%;
    font-family: var(--font-sans);
    outline: none;
}

.calc-input-box.percent-suffix {
    justify-content: space-between;
}

.calc-input-box.percent-suffix .calc-text-input {
    width: auto;
}

.input-suffix {
    font-size: 32px;
    font-weight: 800;
    color: #9CA3AF;
}

.calc-slider-wrapper {
    position: relative;
    padding: 10px 0;
}

.calc-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 4px;
    border-radius: 2px;
    background: #1F2937;
    outline: none;
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #FF5E00;
    cursor: pointer;
    box-shadow: 0 0 12px rgba(255, 94, 0, 0.8);
    transition: transform 0.1s ease;
}

.calc-slider::-webkit-slider-thumb:hover {
    transform: scale(1.25);
}

/* CC Result Card */
.calc-result-badge-card {
    background-color: #0E131F;
    border: 1px solid #1E293B;
    border-radius: 24px;
    padding: 30px;
    margin-top: 40px;
}

.calc-result-title {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    color: #9CA3AF;
    margin-bottom: 8px;
}

.calc-result-value {
    font-size: 42px;
    font-weight: 800;
    color: #FF5E00;
    line-height: 1.1;
}

.calc-result-subtitle {
    font-size: 15px;
    color: #9CA3AF;
    margin-top: 8px;
}

/* PL Results Grid */
.pl-results-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-top: 40px;
}

.pl-result-card {
    background-color: #0E131F;
    border: 1px solid #1E293B;
    border-radius: 24px;
    padding: 24px;
}

.pl-card-label {
    font-size: 13px;
    color: #9CA3AF;
    margin-bottom: 12px;
    line-height: 1.4;
    min-height: 38px;
}

.pl-card-val {
    font-size: 28px;
    font-weight: 800;
    color: #FF5E00;
}

.pl-unit {
    font-size: 15px;
    font-weight: 600;
    color: #9CA3AF;
}

/* --- Virtual Smartphone Mockup --- */
.calc-phone-col {
    display: flex;
    justify-content: center;
    align-items: center;
}

.calc-phone-img {
    width: 100%;
    max-width: 325px;
    height: auto;
    display: block;
    object-fit: contain;
}

/* --- Suitability Section --- */
.suitability-section {
    padding: 83px 0;
    background-color: #ffffff;
}

.suitability-container {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 50px;
    align-items: center;
}

.suitability-image-col {
    display: flex;
    justify-content: flex-end;
    align-items: center;
}

.suitability-image-wrapper {
    /* background-color: #F3F4F6; */
    border-radius: 40px;
    /* padding: 50px 30px; */
    display: flex;
    justify-content: center;
    align-items: center;
    width: 433px
        /* max-width: 480px; */
}

.suitability-img {
    width: 100%;
    object-fit: contain;
}

.suitability-content-col {
    align-self: flex-start;
}

.suitability-title {
    font-size: 38px;
    font-weight: 650;
    margin-bottom: 42px;
    color: #000;
    line-height: 40px;
}

.suitability-subtitle {
    font-size: 20px;
    line-height: 18px;
    font-weight: 650;
    color: #FF6F00;
    margin-bottom: 30px;
    margin-left: 32px;
}

.suitability-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 40px;
    margin-left: 32px;
}

.suitability-item {
    display: flex;
    align-items: center;
    gap: 16px;
    font-size: 16px;
    font-weight: 400;
    color: #000;
}

.suitability-check {
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background-color: #000000;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    font-weight: bold;
    flex-shrink: 0;
}

.suitability-footer {
    font-size: 20px;
    font-weight: 700;
    color: #FF5E00;
    margin-left: 32px;
}

/* --- Lending Partners Section --- */
.partners-section {
    padding: 60px 0;
    background-color: #ffffff;
}

.partners-title {
    font-size: 38px;
    font-weight: 650;
    text-align: center;
    margin-bottom: 60px;
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
    line-height: 40px;
    color: #000;
}

.partners-grid {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 80px;
    flex-wrap: wrap;
}

.partner-logo {
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    /* opacity: 0.6; */
    /* filter: grayscale(100%); */
    transition: var(--transition-smooth);
}

.partner-logo:hover {
    opacity: 1;
    filter: grayscale(0%);
}

.partner-logo svg,
.partner-logo img {
    height: 100%;
    width: auto;
    max-width: 140px;
    object-fit: contain;
}

/* --- How Payoff Helps You Section --- */
.helps-section {
    padding: 110px 0;
    background-color: #fff;
}

.helps-title {
    font-size: 48px;
    line-height: 54px;
    font-weight: 650;
    margin-bottom: 26px;
    max-width: 520px;
}

.helps-subtitle {
    font-size: 20px;
    color: #777777;
    max-width: 560px;
    margin-bottom: 50px;
    text-align: center;
    font-weight: 400;
    line-height: 28px;
}

.helps-cards-container {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-top: 60px;
}

.helps-card {
    background-color: #F8F8F8;
    border: 1px solid #CCCCCC;
    border-radius: 24px;
    padding: 40px 30px;
    display: flex;
    flex-direction: column;
    height: 344px;
    transition: var(--transition-smooth);
    backdrop-filter: blur(0px);
    justify-content: space-between;
}

.helps-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: #CBD5E1;
}

.helps-icon-box {
    height: 40px;
    margin-bottom: 32px;
    display: flex;
    align-items: center;
    justify-content: flex-start;
    color: var(--color-text-main);
}

.helps-img-icon {
    height: 36px;
    width: auto;
    max-width: 38px;
    object-fit: contain;
}

.helps-big-number {
    font-size: 40px;
    font-weight: 800;
    line-height: 1;
    font-family: var(--font-sans);
    color: var(--color-text-main);
}

.helps-card-title {
    font-size: 24px;
    font-weight: 650;
    margin-bottom: 20px;
    color: #000;
    line-height: 24px;
}

.helps-card-desc {
    font-size: 20px;
    color: #777777;
    line-height: 28px;
    font-weight: 400;
}

/* --- Why Choose Payoff --- */
.why-choose-section {
    padding: 50px 0;
    background-color: #ffffff;
}

.why-choose-banner {
    background-color: #000000;
    border-radius: 10px;
    padding: 40px 60px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: #ffffff;
    margin-bottom: 60px;
    box-shadow: var(--shadow-lg);
    flex-wrap: wrap;
    gap: 24px;
    height: 200px;
}

.why-choose-banner-left {
    display: flex;
    align-items: center;
    gap: 27px;
    flex-wrap: wrap;
}

.why-choose-text {
    font-size: 50px;
    line-height: 54px;
    font-weight: 900;
}

.why-choose-arrow {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background-color: #00C853;
    /* Bright green */
    color: #000000;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 800;
    line-height: 1;
}

.why-choose-logo {
    width: 170px;
    width: auto;
    display: block;
}

.why-choose-banner-right {
    max-width: 350px;
    font-size: 16px;
    color: #777777;
    line-height: 22px;
    font-weight: 400;
    text-align: left;
}

.why-choose-features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 30px;
}

.why-choose-card {
    display: flex;
    flex-direction: column;
}

.why-choose-header {
    display: flex;
    /* align-items: center; */
    gap: 12px;
    margin-bottom: 16px;
}

.why-choose-icon {
    display: flex;
    /* justify-content: center; */
    flex-shrink: 0;
}

.why-choose-img-icon {
    height: 24px;
    width: auto;
    max-width: 24px;
    object-fit: contain;
    display: block;
    margin-top: 5px;
}

.why-choose-title {
    font-size: 20px;
    font-weight: 650;
    color: #000;
    line-height: 24px;
    margin-bottom: 16px;
}

.why-choose-desc {
    font-size: 16px;
    color: #777777;
    line-height: 22px;
    font-weight: 400;
}

/* --- Testimonials Section --- */
.testimonials-section {
    padding: 180px 0;
    background-color: #fff;
    overflow: hidden;
    /* border-top: 1px solid var(--color-border); */
}

.testimonials-title {
    font-size: 48px;
    line-height: 54px;
    font-weight: 650;
    text-align: center;
    margin-bottom: 90px;
    color: #000;
}

.testimonials-slider-container {
    width: 100%;
    overflow: hidden;
    position: relative;
    padding: 15px 0;
}

.testimonials-slider-track {
    display: flex;
    gap: 30px;
    width: max-content;
    will-change: transform;
}

.testimonial-card {
    background-color: #ffffff;
    border: 1px solid #CCCCCC;
    border-radius: 20px;
    padding: 40px;
    width: 460px;
    backdrop-filter: blur(0px);
    flex-shrink: 0;
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: var(--transition-smooth);
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: #CBD5E1;
}

.testimonial-text {
    font-size: 20px;
    color: #000;
    line-height: 28px;
    font-weight: 400;
    margin-bottom: 100px;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 16px;
}

.testimonial-avatar {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    object-fit: cover;
}

.testimonial-meta {
    display: flex;
    flex-direction: column;
}

.testimonial-name {
    font-size: 16px;
    font-weight: 300;
    color: #000;
    line-height: 22px;
}

.testimonial-role {
    font-size: 16px;
    color: #777777;
    line-height: 22px;
    font-weight: 300;
}

/* --- FAQ Section --- */
.faq-section {
    padding: 40px 0;
    background-color: #ffffff;
}

.faq-container {
    max-width: 900px;
    margin: 0 auto;
}

.faq-section-title {
    font-size: 48px;
    line-height: 54px;
    font-weight: 650;
    text-align: center;
    margin-bottom: 26px;
    color: #000;
}

.faq-section-subtitle {
    font-size: 20px;
    line-height: 28px;
    color: #777777;
    text-align: center;
    margin-bottom: 80px;
    font-weight: 400;
    width: 779px;
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 30px;
}

.faq-item {
    border: 1px solid #CCCCCC;
    border-radius: 20px;
    background-color: #ffffff;
    transition: var(--transition-smooth);
    overflow: hidden;
    backdrop-filter: blur(0px)
}

.faq-item:hover {
    border-color: #CBD5E1;
}

.faq-item.active {
    border-color: #CBD5E1;
    box-shadow: var(--shadow-sm);
}

.faq-header {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 31px 46px;
    background: none;
    border: none;
    text-align: left;
    cursor: pointer;
    color: #000;
    font-size: 24px;
    line-height: 32px;
    font-weight: 400;
}

.faq-header:focus {
    outline: none;
}

.faq-question {
    flex-grow: 1;
    padding-right: 16px;
    line-height: 1.4;
}

.faq-chevron {
    width: 18px;
    height: 18px;
    color: var(--color-text-main);
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-item.active .faq-chevron {
    transform: rotate(90deg);
}

.faq-content {
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    transition: max-height 0.3s ease, opacity 0.3s ease;
}

.faq-item.active .faq-content {
    max-height: 200px;
    /* Fallback for default active item */
    opacity: 1;
}

.faq-answer {
    padding: 0 46px 46px 46px;
    font-size: 20px;
    line-height: 28px;
    font-weight: 400;
    color: #777777
}

/* --- Debt Doesn't Define You --- */
.define-section {
    padding: 120px 0;
    background-color: #ffffff;
}

.define-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
    margin-bottom: 50px;
}

.define-card {
    background-color: #fff;
    border-radius: 20px;
    border: 1px solid #CCCCCC;
    overflow: hidden;
}

.define-content-card {
    padding: 40px 36px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.define-title {
    font-size: 48px;
    font-weight: 650;
    color: #000;
    margin-bottom: 60px;
    line-height: 54px;
    margin-left: 30px;
}

.define-list {
    display: flex;
    flex-direction: column;
    gap: 24px;
    list-style: none;
    padding: 0;
    margin: 0 0 40px 30px;
}

.define-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.define-icon {
    width: 24px;
    height: 24px;
    flex-shrink: 0;
    margin-top: 2px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.define-img-icon {
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.define-item-text {
    font-size: 16px;
    color: #000;
    font-weight: 400;
    line-height: 20px;
}

.define-highlight-card {
    background-color: #ffffff;
    border-radius: 20px;
    padding: 28px 34px;
    border: 1px solid rgba(229, 231, 235, 0.5);
    margin-top: auto;
    box-shadow: 0px 0px 15px 0px #00000026;
}

.define-highlight-text {
    font-size: 16px;
    color: #000;
    line-height: 20px;
    font-weight: 400;
}

.highlight-brand {
    color: #FF6F00;
    font-weight: 650;
}

.define-image-card {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0;
}

.define-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.define-cta-container {
    text-align: center;
    margin-top: 120px;
}

.define-cta-lead {
    font-size: 20px;
    color: #777777;
    line-height: 28pxx;
    /* margin-bottom: 20px; */
    font-weight: 400;
}

.cta-arrow {
    transition: transform 0.2s ease;
    font-weight: bold;
    display: inline-block;
}
.define-cta-btn{
    cursor: pointer;
}
/* --- Footer Section --- */
.footer {
    background-color: #000000;
    padding: 80px 0 30px 0;
    color: #ffffff;
    position: relative;
    overflow: hidden;
}

.footer-watermark {
    position: absolute;
    bottom: -20px;
    right: -10px;
    font-size: 18vw;
    font-weight: 900;
    line-height: 1;
    color: transparent;
    -webkit-text-stroke: 1px rgba(255, 255, 255, 0.03);
    user-select: none;
    pointer-events: none;
    z-index: 1;
    font-family: var(--font-sans);
}

.footer-container {
    position: relative;
    z-index: 2;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2.2fr 1fr 1.2fr 1.2fr;
    gap: 40px;
    margin-bottom: 60px;
}

.footer-col {
    display: flex;
    flex-direction: column;
    text-align: left;
}

.footer-logo-img {
    height: 32px;
    width: auto;
    max-width: 130px;
    margin-bottom: 46px;
    display: block;
}

.footer-grievance {
    font-size: 12px;
    color: #444444;
    line-height: 16px;
    font-weight: 400;
}

.footer-grievance-link {
    color: #444444;
    text-decoration: none;
    transition: var(--transition-smooth);
}

.footer-grievance-link:hover {
    color: #ffffff;
}

.footer-links-col {
    gap: 32px;
    padding-top: 8px;
}

.footer-link {
    color: #777777;
    text-decoration: none;
    font-size: 16px;
    line-height: 22px;
    font-weight: 400;
    transition: var(--transition-smooth);
    width: fit-content;
}

.footer-link:hover {
    color: #ffffff;
}

.footer-social-col {
    padding-top: 8px;
}

.footer-social-title {
    font-size: 16px;
    line-height: 22px;
    font-weight: 400;
    color: #ffffff;
    margin-bottom: 20px;
}

.footer-social-grid {
    display: grid;
    grid-template-columns: repeat(3, 40px);
    gap: 12px;
}

.social-icon {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #9CA3AF;
    transition: var(--transition-smooth);
    text-decoration: none;
}

.social-icon:hover {
    border-color: #ffffff;
    color: #ffffff;
    background-color: rgba(255, 255, 255, 0.05);
}

.social-icon svg {
    width: 18px;
    height: 18px;
}

.footer-bottom {
    border-top: 1px solid #333333;
    padding-top: 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.footer-bottom-links {
    display: flex;
    gap: 37px;
}

.footer-bottom-link {
    color: #444444;
    text-decoration: none;
    font-size: 12px;
    line-height: 26px;
    font-weight: 400;
    transition: var(--transition-smooth);
}

.footer-bottom-link:hover {
    color: #ffffff;
}

.footer-copyright {
    color: #444444;
    font-size: 12px;
    line-height: 26px;
    font-weight: 400;
    text-align: right;
}