:root {
  color-scheme: light; /* Force light mode rendering */
  --bg-body: #f3f4f6;
  --bg-card: #ffffff;
  --text-dark: #111827;
  --text-muted: #6b7280;
  --success-green: #10b981;
  --border-color: #e5e7eb;
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
  --ring: 0 0 0 4px rgba(59, 130, 246, 0.5);

  /* Brand Colors */
  --primary-dark: #1e293b;
  --primary-blue: #2563eb;
  --primary-hover: #1d4ed8;
  --accent-gold: #f59e0b;
}

/* Reset */
* { box-sizing: border-box; }
html, body { height: 100%; }

body {
  margin: 0;
  background: var(--bg-body);
  color: var(--text-dark);
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

/* Layout */
.wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
  padding: 20px 16px;
}

.card-glass {
  width: 100%;
  max-width: 500px;
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: 24px;
  box-shadow: var(--shadow-lg);
  margin: 0 auto;
  overflow: hidden;
  position: relative;
}

/* Hero */
.hero {
  padding: 32px 24px 28px;
  text-align: center;
  background: linear-gradient(135deg, #eff6ff 0%, #ffffff 45%, #fff7ed 100%);
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: '';
  position: absolute;
  width: 180px;
  height: 180px;
  right: -60px;
  top: -40px;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.22), transparent 65%);
}

.hero-top {
  display: flex;
  gap: 8px;
  justify-content: center;
  flex-wrap: wrap;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  border-radius: 999px;
  background: #fff;
  border: 1px solid rgba(37, 99, 235, 0.2);
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--primary-dark);
  box-shadow: var(--shadow-sm);
}

.hero-title {
  font-size: 1.8rem;
}

.hero-subtitle {
  color: var(--text-muted);
  margin: 0 auto 16px;
  max-width: 320px;
  font-size: 0.95rem;
}

.hero-highlight {
  margin-top: 8px;
}

.hero-stats {
  margin: 18px auto 8px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.stat-card {
  background: #fff;
  border-radius: 14px;
  border: 1px solid var(--border-color);
  padding: 10px 6px;
  box-shadow: var(--shadow-sm);
}

.stat-value {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.stat-label {
  font-size: 0.7rem;
  color: var(--text-muted);
}

.product-img {
  margin-top: 18px;
  width: 140px;
  height: auto;
  filter: drop-shadow(0 12px 20px rgba(15, 23, 42, 0.2));
}

.t-grad {
  background: linear-gradient(90deg, var(--primary-blue), #0ea5e9);
  -webkit-background-clip: text;
  color: transparent;
}

.t-gold {
  background: linear-gradient(90deg, #f59e0b, #f97316);
  -webkit-background-clip: text;
  color: transparent;
}

.t-blue { color: var(--primary-blue); }
.t-green { color: var(--success-green); }

.required-star {
  color: #ef4444;
  font-weight: 700;
  margin-left: 4px;
}

.loan-range {
  width: 100%;
  appearance: none;
  height: 8px;
  border-radius: 999px;
  background: #e5e7eb;
  outline: none;
}

.loan-range::-webkit-slider-thumb {
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: linear-gradient(135deg, #2563eb, #60a5fa);
  border: 3px solid #ffffff;
  box-shadow: 0 6px 12px rgba(37, 99, 235, 0.3);
  cursor: pointer;
}

.loan-range::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: linear-gradient(135deg, #2563eb, #60a5fa);
  border: 3px solid #ffffff;
  box-shadow: 0 6px 12px rgba(37, 99, 235, 0.3);
  cursor: pointer;
}

.range {
  font-size: 1.1rem;
  font-weight: 700;
  margin-top: 4px;
}

.subtle {
  color: var(--text-muted);
  font-size: 0.85rem;
}

.features {
  display: grid;
  gap: 12px;
  margin-bottom: 20px;
}

.feat {
  display: flex;
  gap: 12px;
  align-items: center;
  padding: 12px 14px;
  border-radius: 16px;
  border: 1px solid var(--border-color);
  background: #fff;
  box-shadow: var(--shadow-sm);
}

.feat small {
  display: block;
  color: var(--text-muted);
  font-size: 0.8rem;
}

.ico {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: #eff6ff;
  color: var(--primary-blue);
  font-size: 1.1rem;
}

.value-grid {
  display: grid;
  gap: 12px;
  margin: 20px 0;
}

.value-card {
  background: #fff;
  border-radius: 18px;
  border: 1px solid var(--border-color);
  padding: 16px;
  box-shadow: var(--shadow-sm);
}

.value-card i {
  font-size: 1.4rem;
  color: var(--primary-blue);
}

.value-card h4 {
  margin: 10px 0 6px;
  font-size: 1rem;
}

.value-card p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.85rem;
}

.process {
  background: #f8fafc;
  border-radius: 18px;
  padding: 16px;
  border: 1px solid var(--border-color);
}

.process h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.process ol {
  margin: 0;
  padding-left: 18px;
  color: var(--text-muted);
  font-size: 0.85rem;
  display: grid;
  gap: 8px;
}

.consent {
  margin-top: 20px;
  padding: 16px;
  border-radius: 16px;
  border: 1px dashed rgba(37, 99, 235, 0.35);
  background: #f8fafc;
  display: grid;
  gap: 10px;
}

.consent .form-check-label {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.cta {
  position: sticky;
  bottom: 0;
  width: 100%;
  max-width: 500px;
  margin: 16px auto 0;
  padding: 12px 16px;
  background: rgba(255, 255, 255, 0.95);
  border: 1px solid var(--border-color);
  border-radius: 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

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

.btn-apply {
  background: var(--primary-blue);
  color: #fff;
  padding: 12px 18px;
  border-radius: 14px;
  text-decoration: none;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: var(--shadow-md);
  transition: transform 0.2s, box-shadow 0.2s;
}

.btn-apply:hover {
  transform: translateY(-1px);
  box-shadow: 0 12px 20px rgba(37, 99, 235, 0.2);
}

.btn-apply.disabled {
  background: #cbd5f5;
  color: #fff;
  pointer-events: none;
  box-shadow: none;
}

/* Step Header Redesign */
.step-header {
  background: #ffffff;
  padding: 24px 24px 16px;
  border-bottom: 1px solid var(--border-color);
  text-align: center;
}

.step-header__logo {
  height: 40px;
  width: auto;
  margin-bottom: 16px;
  display: block;
  margin-left: auto;
  margin-right: auto;
}

.step-progress-bar {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
  justify-content: center;
}

.step-dot {
  width: 100%;
  height: 4px;
  background: #e5e7eb;
  border-radius: 2px;
  max-width: 40px;
}

.step-dot.active {
  background: var(--primary-blue);
}

.step-dot.completed {
  background: var(--success-green);
}

.step-title {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary-dark);
  margin: 0 0 4px;
  letter-spacing: -0.025em;
}

.step-subtitle {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin: 0;
}

/* Form Sections */
.content {
  padding: 24px;
}

.form-label {
  font-weight: 600;
  color: var(--text-dark);
  font-size: 0.9rem;
  margin-bottom: 8px;
  display: block;
}

.input-group {
  box-shadow: var(--shadow-sm);
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid var(--border-color);
  transition: border-color 0.2s, box-shadow 0.2s;
  background: #ffffff;
}

.input-group:focus-within {
  border-color: var(--primary-blue);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.input-group-text {
  background: #f9fafb;
  border: none;
  border-right: 1px solid var(--border-color);
  color: var(--text-muted);
  font-weight: 600;
  padding: 12px 16px;
}

.form-control, .form-select {
  border: none;
  padding: 12px 16px;
  font-size: 1rem;
  color: var(--text-dark);
  width: 100%;
  background: transparent;
}

.form-control:focus {
  outline: none;
  box-shadow: none;
}

.btn-primary {
  background: var(--primary-blue);
  color: #fff;
  border: none;
  padding: 14px;
  font-size: 1.05rem;
  font-weight: 600;
  border-radius: 14px;
  width: 100%;
  cursor: pointer;
  transition: background 0.2s, transform 0.1s;
  box-shadow: var(--shadow-md);
  margin-top: 16px;
}

.btn-primary:active {
  transform: scale(0.98);
}

/* OTP Specifics */
.otp-container {
  display: flex;
  gap: 8px;
  justify-content: center;
  margin-bottom: 16px;
}

.otp-input {
  width: 45px !important;
  height: 50px !important;
  text-align: center;
  font-size: 1.5rem !important;
  font-weight: 700;
  border: 1px solid var(--border-color) !important;
  border-radius: 10px !important;
  background: #fff !important;
  padding: 0 !important;
  transition: all 0.2s;
}

.otp-input:focus {
  border-color: var(--primary-blue) !important;
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1) !important;
  transform: translateY(-2px);
}

.otp-timer {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-top: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.btn-resend {
  background: none;
  border: none;
  color: var(--primary-blue);
  font-weight: 600;
  padding: 0;
  cursor: pointer;
  font-size: 0.9rem;
  text-decoration: underline;
}

.btn-resend:disabled {
  color: var(--text-muted);
  text-decoration: none;
  cursor: default;
}

/* Footer Partial */
.step-footer {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border-color);
  text-align: center;
}

.footer-links {
  display: flex;
  justify-content: center;
  gap: 16px;
  margin-bottom: 16px;
  font-size: 0.85rem;
}

.footer-link {
  color: var(--text-muted);
  text-decoration: none;
  transition: color 0.2s;
}

.footer-link:hover {
  color: var(--primary-blue);
}

.security-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #ecfdf5;
  color: #059669;
  padding: 6px 12px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
}

/* Cards & engaging elements */
.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 24px;
}

.feature-card {
  background: #f9fafb;
  border: 1px solid var(--border-color);
  padding: 16px;
  border-radius: 16px;
  text-align: center;
}

.feature-icon {
  font-size: 1.5rem;
  color: var(--primary-blue);
  margin-bottom: 8px;
  display: inline-block;
  background: #eff6ff;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  line-height: 40px;
}

.feature-title {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 2px;
}

.feature-desc {
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* Tabs for Step 2 */
.nav-tabs {
  border: none;
  background: #f3f4f6;
  padding: 4px;
  border-radius: 12px;
  display: flex;
  margin-bottom: 24px;
}

.nav-link {
  flex: 1;
  border: none;
  border-radius: 10px;
  text-align: center;
  padding: 10px;
  color: var(--text-muted);
  font-weight: 500;
  background: transparent;
  transition: all 0.2s;
}

.nav-link.active {
  background: #fff;
  color: var(--primary-blue);
  box-shadow: var(--shadow-sm);
  font-weight: 600;
}

/* Helpers */
.text-center { text-align: center; }
.mb-3 { margin-bottom: 1rem; }
.mb-4 { margin-bottom: 1.5rem; }
.mt-3 { margin-top: 1rem; }
.w-100 { width: 100%; }
.d-none { display: none; }