/* ============================================================
   SPOT CANADA LOAN — design system
   ============================================================ */
:root{
  /* Palette tuned for loan/financial trust:
     blue = trust/stability · green = growth/go · gold = premium (stars only) */
  --navy:#0A1B3A;          /* deep authority */
  --navy-2:#143268;        /* navy hover/secondary */
  --red:#1557FF;           /* [primary] trust blue — main CTAs */
  --red-2:#0D3FCC;         /* [primary-dark] hover */
  --gold:#F59E0B;          /* premium gold (reviews/stars) */
  --bg:#F4F7FC;            /* subtle blue-white */
  --white:#fff;
  --ink:#0A1B3A;
  --muted:#556582;
  --line:#DBE3EF;
  --green:#10B981;         /* growth/success */
  --shadow-sm:0 4px 14px -6px rgba(10,27,58,.18);
  --shadow:0 18px 40px -18px rgba(10,27,58,.30);
  --shadow-lg:0 30px 60px -25px rgba(10,27,58,.45);
  --radius:14px;
  --radius-lg:22px;
  --grad:linear-gradient(135deg,#1557FF 0%,#0A1B3A 100%);        /* blue → navy */
  --grad-soft:linear-gradient(135deg,#E8F0FF 0%,#EAFBF4 100%);   /* soft blue → mint */
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{
  margin:0;
  font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  -webkit-overflow-scrolling:touch;
}
img,svg{display:block;max-width:100%}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:"Plus Jakarta Sans","Inter",sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2.2rem,4.8vw,3.8rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.7rem,3vw,2.6rem);font-weight:800;letter-spacing:-.015em}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em;color:var(--muted)}
ul{padding:0;list-style:none;margin:0}

.container{width:100%;max-width:1200px;margin:0 auto;padding:0 24px;overflow-wrap:break-word;word-wrap:break-word}

/* ============== BUTTONS ============== */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-weight:600;font-family:inherit;font-size:.95rem;
  padding:.85rem 1.4rem;border-radius:999px;border:0;cursor:pointer;
  transition:transform .15s ease,box-shadow .2s ease,background .2s ease,color .2s ease;
  text-decoration:none;white-space:nowrap;
}
.btn:hover{transform:translateY(-1px);text-decoration:none}
.btn--primary{background:var(--grad);color:#fff;box-shadow:0 10px 25px -10px rgba(21,87,255,.55)}
.btn--primary:hover{box-shadow:0 14px 30px -10px rgba(21,87,255,.7)}
.btn--ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
.btn--ghost:hover{background:var(--bg)}
.btn--white{background:#fff;color:var(--navy)}
.btn--white:hover{background:#f3f6fb}
.btn--lg{padding:1.05rem 1.8rem;font-size:1rem}
.btn--sm{padding:.55rem 1.1rem;font-size:.85rem}
.btn--block{display:flex;width:100%}

/* ============== TOPBAR ============== */
.topbar{background:var(--navy);color:#cfd9e8;font-size:.8rem}
.topbar__inner{display:flex;justify-content:center;align-items:center;gap:.7rem;flex-wrap:wrap;padding:.55rem 24px}
.topbar__divider{opacity:.4}
.topbar__link{color:#fff;font-weight:500}
.topbar__link:hover{color:var(--gold);text-decoration:none}

/* ============== HEADER ============== */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header__inner{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;padding:.85rem 24px}
.logo{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy)}
.logo:hover{text-decoration:none}
.logo__mark{display:inline-flex}
.logo__text{display:flex;flex-direction:column;line-height:1.05;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:1.15rem;color:var(--navy)}
.logo__text strong{color:var(--red)}
.logo__text em{font-size:.65rem;font-weight:500;font-style:normal;color:var(--muted);letter-spacing:.04em;text-transform:uppercase;margin-top:2px}
.nav{display:flex;align-items:center;gap:.4rem}
.nav__link{color:var(--ink);font-weight:500;font-size:.92rem;padding:.5rem .85rem;border-radius:8px;transition:background .15s,color .15s}
.nav__link:hover{background:var(--bg);text-decoration:none;color:var(--navy)}
.nav__link.active{color:var(--red)}
.header__cta{margin-left:.5rem}

.hamburger{display:none;background:transparent;border:0;flex-direction:column;gap:5px;padding:8px;cursor:pointer}
.hamburger span{width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-menu{display:none;flex-direction:column;gap:.5rem;padding:1rem 24px 1.5rem;background:#fff;border-bottom:1px solid var(--line)}
.mobile-menu a{color:var(--navy);font-weight:600;padding:.6rem 0;border-bottom:1px solid var(--line)}
.mobile-menu a:last-child{border:0;margin-top:.5rem}

/* ============== HERO ============== */
.hero{position:relative;overflow:hidden;background:var(--grad-soft);padding:4rem 0 0;max-width:100vw}
.hero__bg{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.blob{position:absolute;border-radius:50%;filter:blur(80px);opacity:.45}
.blob--1{width:480px;height:480px;background:#C9D9FF;top:-120px;left:-120px}
.blob--2{width:520px;height:520px;background:#BCEFDC;bottom:-180px;right:-140px}
.grid{
  position:absolute;inset:0;opacity:.4;
  background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);
  background-size:40px 40px;
  mask-image:radial-gradient(ellipse at center,#000 30%,transparent 75%);
}

.hero__inner{position:relative;display:grid;grid-template-columns:1.1fr 1fr;gap:3rem;align-items:center;padding:2rem 24px 4rem}
.hero__copy{max-width:560px}
.eyebrow{
  display:inline-flex;align-items:center;gap:.5rem;background:#fff;border:1px solid var(--line);
  padding:.4rem .85rem;border-radius:999px;font-size:.78rem;font-weight:600;color:var(--navy);margin-bottom:1.2rem;
  box-shadow:var(--shadow-sm);
}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(22,163,74,.18)}
.hero__title{margin-bottom:1rem}
.grad{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero__lede{font-size:1.1rem;color:#3b4a63;margin-bottom:1.6rem}
.hero__lede strong{color:var(--navy)}
.hero__ctas{display:flex;gap:.8rem;flex-wrap:wrap;margin-bottom:1.6rem}
.hero__bullets{display:flex;flex-direction:column;gap:.4rem}
.hero__bullets li{font-size:.92rem;color:var(--navy);font-weight:500;display:flex;gap:.6rem;align-items:center}
.check{display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;border-radius:50%;background:#dcfce7;color:var(--green);font-size:.75rem;font-weight:700}

/* trust strip */
.hero__trust{position:relative;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:1rem}
.hero__trust-inner{display:flex;align-items:center;justify-content:center;gap:1.6rem;padding:1rem 24px;flex-wrap:wrap;color:var(--muted);font-size:.85rem}
.hero__trust-inner strong{color:var(--navy);font-weight:700;letter-spacing:.04em;font-size:.92rem;font-family:"Plus Jakarta Sans",sans-serif;opacity:.85}

/* ============== CARD ============== */
.card{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:1.6rem;border:1px solid var(--line)}

/* ============== CALCULATOR ============== */
.calc{position:relative;padding:1.8rem}
.calc::before{
  content:"";position:absolute;top:-18px;right:-18px;width:90px;height:90px;border-radius:24px;
  background:var(--grad);opacity:.12;z-index:-1;
}
.calc__title{font-size:1.4rem;margin-bottom:.2rem}
.calc__sub{font-size:.9rem;margin-bottom:1.2rem}
.calc__field{margin-bottom:1.1rem}
.calc__field>label{display:block;font-size:.8rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.4rem}
.calc__row{display:flex;align-items:center;gap:1rem}
.calc input[type=range]{flex:1;-webkit-appearance:none;appearance:none;height:6px;border-radius:6px;background:linear-gradient(90deg,var(--red) var(--p,30%),var(--line) var(--p,30%));outline:0}
.calc input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--white);border:3px solid var(--red);box-shadow:var(--shadow-sm);cursor:grab}
.calc input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--white);border:3px solid var(--red);cursor:grab}
.calc__out{min-width:84px;text-align:right;font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums}
.calc__result{display:grid;grid-template-columns:1fr 1fr;gap:1rem;background:var(--bg);border-radius:14px;padding:1rem 1.1rem;margin:1rem 0 1.1rem}
.calc__label{display:block;font-size:.7rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:.2rem}
.calc__big{font-family:"Plus Jakarta Sans",sans-serif;font-size:1.45rem;color:var(--navy);font-variant-numeric:tabular-nums}
.calc__big--alt{color:var(--red)}
.calc__note{font-size:.72rem;color:var(--muted);margin:.7rem 0 0;text-align:center}

/* ============== FEATURE STRIP ============== */
.strip{padding:3rem 0;background:#fff}
.strip__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.strip__item{padding:1.4rem;border-radius:var(--radius);background:var(--bg);transition:transform .2s,box-shadow .2s}
.strip__item:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.strip__icon{width:48px;height:48px;border-radius:14px;background:#fff;display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:.7rem;box-shadow:var(--shadow-sm)}
.strip__item h3{font-size:1.05rem;margin-bottom:.3rem}
.strip__item p{font-size:.88rem;margin:0}

/* ============== SECTION HEADERS ============== */
.section-head{text-align:center;max-width:680px;margin:0 auto 2.5rem}
.kicker{display:inline-block;font-size:.78rem;font-weight:700;color:var(--red);letter-spacing:.14em;text-transform:uppercase;margin-bottom:.6rem}
.kicker--light{color:#C9D9FF}
.section-head p{margin-top:.4rem}

/* ============== HOW IT WORKS ============== */
.how{padding:5rem 0;background:var(--bg)}
.how__steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;counter-reset:step}
.how__step{position:relative;padding:1.8rem;background:#fff;border-radius:var(--radius-lg);border:1px solid var(--line);transition:transform .25s,box-shadow .25s}
.how__step:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.how__num{display:inline-block;font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.6rem;color:var(--red);margin-bottom:.5rem}
.how__step h3{margin-bottom:.5rem}
.how__step p{margin:0}

/* ============== APPLY ============== */
.apply{position:relative;padding:5rem 0;background:var(--navy);color:#fff;overflow:hidden}
.apply::before{content:"";position:absolute;inset:0;background:radial-gradient(800px 400px at 10% 0,#1c4f8a 0,transparent 60%),radial-gradient(600px 400px at 95% 100%,#5e1c25 0,transparent 60%);opacity:.6;pointer-events:none}
.apply__grid{position:relative;display:grid;grid-template-columns:1fr 1.05fr;gap:3rem;align-items:start}
.apply__copy h2{color:#fff}
.apply__copy p{color:#cbd5e1;font-size:1.05rem}
.apply__copy strong{color:#fff}
.apply__list{margin:1rem 0 1.6rem;display:flex;flex-direction:column;gap:.4rem;color:#fff}
.apply__list li{font-weight:500}
.apply__badge{display:inline-flex;flex-direction:column;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);padding:1rem 1.3rem;border-radius:14px;backdrop-filter:blur(8px)}
.apply__badge strong{font-family:"Plus Jakarta Sans",sans-serif;font-size:1.6rem;color:#fff}
.apply__badge span{color:var(--gold);font-size:1.05rem;letter-spacing:.15em}
.apply__badge small{color:#cbd5e1;font-size:.78rem;margin-top:.2rem}

/* ============== FORM ============== */
.form{padding:1.8rem 1.8rem 1.6rem;color:var(--ink);position:relative;max-width:100%;overflow:hidden}
.form__title{font-size:1.4rem;margin-bottom:.2rem;color:var(--navy)}
.form__sub{font-size:.88rem;margin-bottom:1.2rem;color:var(--muted)}
.anchor-target{display:block;position:absolute;top:-90px}
.hero__form{position:relative;min-width:0;max-width:100%;overflow:hidden}
.hero__form::before{
  content:"";position:absolute;top:-18px;right:-18px;width:90px;height:90px;border-radius:24px;
  background:var(--grad);opacity:.12;z-index:-1;
}
.form__progress{margin-bottom:1.4rem}
.form__progress-bar{height:6px;background:var(--line);border-radius:6px;position:relative;overflow:hidden}
.form__progress-bar::after{content:"";position:absolute;left:0;top:0;bottom:0;width:33%;background:var(--grad);border-radius:6px;transition:width .35s ease}
.form__progress[aria-valuenow="2"] .form__progress-bar::after{width:66%}
.form__progress[aria-valuenow="3"] .form__progress-bar::after{width:100%}
.form__progress-steps{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-top:.5rem;font-weight:600}
.form__progress-steps span.active{color:var(--red)}
.form__step{display:none;border:0;padding:0;margin:0}
.form__step.active{display:block;animation:fadeUp .35s ease both}
.form__step legend{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:1.2rem;color:var(--navy);margin-bottom:1rem;padding:0}
.field{display:flex;flex-direction:column;margin-bottom:.9rem}
.field>span{font-size:.78rem;font-weight:600;color:var(--navy);margin-bottom:.35rem;letter-spacing:.02em}
.field input,.field select,.field textarea{
  font-family:inherit;color:var(--ink);font-size:16px !important;
  padding:.78rem .9rem;border:1.5px solid var(--line);border-radius:10px;background:#fff;
  transition:border-color .15s, box-shadow .15s;width:100%;box-sizing:border-box;
  max-width:100%;touch-action:manipulation;
}
.field input:focus,.field select:focus{outline:0;border-color:var(--red);box-shadow:0 0 0 4px rgba(21,87,255,.12)}
.form__row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.check-field{display:flex;gap:.6rem;align-items:flex-start;font-size:.85rem;color:var(--muted);margin:.4rem 0 1rem}
.check-field input{margin-top:.25rem;accent-color:var(--red);width:18px;height:18px}
.form__nav{display:flex;justify-content:space-between;gap:.6rem;margin-top:.6rem}
.form__nav .btn{flex:1}
.form__nav .btn:only-child{flex:0 0 auto;margin-left:auto}
.form__success{display:none;text-align:center;padding:1.6rem 0}
.form__success.active{display:block;animation:fadeUp .35s ease both}
.form__check{width:64px;height:64px;border-radius:50%;background:#dcfce7;color:var(--green);display:flex;align-items:center;justify-content:center;font-size:2rem;font-weight:700;margin:0 auto 1rem}
.form__success h3{font-size:1.5rem}
.form__success p{color:var(--muted)}

/* ============== STATS ============== */
.stats{padding:3.5rem 0;background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.stats__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;text-align:center}
.stats__item strong{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-size:clamp(2rem,4vw,3rem);color:var(--red);font-weight:800;line-height:1}
.stats__item span{font-size:.92rem;color:var(--muted);font-weight:500}

/* ============== SERVICES (cards) ============== */
.services{padding:5rem 0;background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.svc{transition:transform .25s,box-shadow .25s}
.svc:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.svc__icon{width:54px;height:54px;border-radius:16px;background:var(--grad-soft);display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:.9rem}
.svc h3{margin-bottom:.4rem}
.svc p{margin:0}

/* ============== USES ============== */
.uses{padding:5rem 0;background:#fff}
.uses__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.use{padding:1.4rem;border-radius:var(--radius);background:var(--bg);border:1px solid var(--line);font-size:1.6rem;transition:transform .2s,box-shadow .2s}
.use:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.use h4{margin:.5rem 0 .3rem;font-family:"Plus Jakarta Sans",sans-serif;font-size:1.1rem;color:var(--navy)}
.use p{font-size:.9rem;margin:0}

/* ============== REVIEWS ============== */
.reviews{padding:5rem 0;background:var(--grad-soft)}
.reviews__grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.4rem}
.review{padding:1.6rem}
.review__stars{color:var(--gold);letter-spacing:.18em;margin-bottom:.6rem;font-size:1.05rem}
.review p{font-size:1rem;color:var(--ink);font-style:italic;margin-bottom:1rem}
.review footer{display:flex;flex-direction:column;border-top:1px solid var(--line);padding-top:.8rem}
.review footer strong{color:var(--navy);font-family:"Plus Jakarta Sans",sans-serif}
.review footer span{color:var(--muted);font-size:.83rem}

/* ============== ELIGIBILITY ============== */
.elig{padding:5rem 0;background:#fff}
.elig__grid{display:grid;grid-template-columns:1.05fr 1fr;gap:3rem;align-items:center}
.elig__list{display:flex;flex-direction:column;gap:.55rem;margin:1rem 0 1.6rem;color:var(--navy);font-weight:500}
.elig__card{background:var(--bg);border-color:var(--line)}
.elig__example{font-size:1.05rem;color:var(--ink);line-height:1.6;margin:0 0 1rem}
.elig__example strong{color:var(--red)}
.elig__card hr{border:0;border-top:1px solid var(--line);margin:1rem 0}
.elig__card small{color:var(--muted);font-size:.82rem;line-height:1.55;display:block}

/* ============== FAQ ============== */
.faq{padding:5rem 0;background:var(--bg)}
.faq__list{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:.8rem}
.faq__item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0;transition:box-shadow .2s}
.faq__item[open]{box-shadow:var(--shadow-sm)}
.faq__item summary{
  list-style:none;cursor:pointer;padding:1.1rem 1.2rem;font-weight:600;color:var(--navy);
  display:flex;justify-content:space-between;align-items:center;font-size:1rem;
}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary span{
  display:inline-flex;width:28px;height:28px;border-radius:50%;align-items:center;justify-content:center;
  background:var(--grad-soft);color:var(--red);font-weight:700;font-size:1.1rem;transition:transform .2s, background .2s;
}
.faq__item[open] summary span{transform:rotate(45deg);background:var(--red);color:#fff}
.faq__item p{padding:0 1.2rem 1.2rem;margin:0;color:var(--muted)}

/* ============== CTA BAND ============== */
.cta-band{background:var(--grad);padding:3.5rem 0;color:#fff}
.cta-band__inner{display:flex;justify-content:space-between;align-items:center;gap:1.5rem;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0}
.cta-band p{color:#C9D9FF;margin:.3rem 0 0}

/* ============== DISCLOSURE ============== */
.disclosure{padding:3rem 0;background:#fff;border-top:1px solid var(--line)}
.disclosure h3{font-size:.95rem;color:var(--navy);text-transform:uppercase;letter-spacing:.1em;margin-bottom:.6rem}
.disclosure p{font-size:.84rem;color:var(--muted);line-height:1.7;max-width:1100px;margin:0}

/* ============== FOOTER ============== */
.footer{background:var(--navy);color:#cbd5e1;padding:4rem 0 0}
.footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:2rem;padding-bottom:3rem}
.logo--footer .logo__text{color:#fff}
.logo--footer .logo__text em{color:#94a3b8}
.footer__about{color:#94a3b8;margin:1rem 0;font-size:.92rem}
.footer__social{display:flex;gap:.5rem}
.footer__social a{
  width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.07);
  display:inline-flex;align-items:center;justify-content:center;color:#fff;font-weight:700;
  transition:background .2s,transform .2s;
}
.footer__social a:hover{background:var(--red);transform:translateY(-2px);text-decoration:none}
.footer h4{color:#fff;font-size:.95rem;margin-bottom:.9rem;letter-spacing:.04em}
.footer ul li{margin-bottom:.55rem;font-size:.92rem}
.footer ul li a{color:#94a3b8}
.footer ul li a:hover{color:#fff;text-decoration:none}
.footer__bottom{border-top:1px solid rgba(255,255,255,.08);padding:1.2rem 0;font-size:.85rem;color:#94a3b8}
.footer__bottom-inner{display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem}

/* ============== LIVE ACTIVITY TICKER ============== */
.ticker{
  display:inline-flex;align-items:center;gap:.55rem;margin-top:1.2rem;
  background:#fff;border:1px solid var(--line);border-radius:999px;
  padding:.45rem .9rem .45rem .75rem;font-size:.84rem;color:var(--navy);
  box-shadow:var(--shadow-sm);max-width:100%;
}
.ticker__pulse{
  width:10px;height:10px;border-radius:50%;background:var(--green);flex-shrink:0;
  box-shadow:0 0 0 0 rgba(16,185,129,.55);animation:pulse 2s infinite;
}
.ticker__msg{font-weight:500;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;transition:opacity .4s ease}
.ticker__msg.fade{opacity:0}
@keyframes pulse{
  0%  {box-shadow:0 0 0 0 rgba(16,185,129,.6)}
  70% {box-shadow:0 0 0 10px rgba(16,185,129,0)}
  100%{box-shadow:0 0 0 0 rgba(16,185,129,0)}
}

/* ============== TRUST STRIP (in form) ============== */
.trust-strip{
  display:flex;gap:.5rem;flex-wrap:wrap;margin:0 0 1.2rem;padding:.6rem .8rem;
  background:linear-gradient(135deg,#E8F0FF,#EAFBF4);border-radius:10px;
  list-style:none;font-size:.78rem;font-weight:600;color:var(--navy);
}
.trust-strip li{display:inline-flex;align-items:center;gap:.25rem}

/* ============== SUCCESS STEPS ============== */
.success-steps{text-align:left;margin:1rem auto 1rem;padding-left:1.2rem;max-width:360px;color:var(--muted);font-size:.92rem;line-height:1.7}
.success-steps li{margin-bottom:.4rem}
.success-steps strong{color:var(--navy)}
.form__sub-note{font-size:.85rem;color:var(--muted);margin-top:.8rem}



/* ============== SCROLL TO TOP ============== */
.to-top{
  position:fixed;right:18px;bottom:18px;width:44px;height:44px;border-radius:50%;
  background:#fff;border:1px solid var(--line);color:var(--navy);font-size:1.2rem;
  font-weight:700;cursor:pointer;box-shadow:var(--shadow);transition:transform .2s,background .2s;
  z-index:55;
}
.to-top:hover{background:var(--bg);transform:translateY(-2px)}

/* ============== FIELD ERROR ============== */
.field.has-error input,.field.has-error select{border-color:#DC2626;box-shadow:0 0 0 4px rgba(220,38,38,.12)}
.field__err{color:#DC2626;font-size:.78rem;margin-top:.3rem;font-weight:500;display:none}
.field.has-error .field__err{display:block}

/* ============== ANIMATIONS ============== */
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* ============== RESPONSIVE ============== */

/* ---- Prevent horizontal overflow globally ---- */
html,body{overflow-x:hidden}

@media (max-width:1024px){
  .hero__inner{grid-template-columns:1fr;gap:2.5rem}
  .hero__copy{order:2}
  .hero__form{order:1}
  .anchor-target{order:0}
  .strip__grid{grid-template-columns:repeat(2,1fr)}
  .how__steps{grid-template-columns:1fr}
  .apply__grid{grid-template-columns:1fr;gap:2.5rem}
  .stats__grid{grid-template-columns:repeat(2,1fr);gap:2rem}
  .cards{grid-template-columns:repeat(2,1fr)}
  .uses__grid{grid-template-columns:repeat(2,1fr)}
  .reviews__grid{grid-template-columns:1fr}
  .elig__grid{grid-template-columns:1fr;gap:2rem}
  .footer__grid{grid-template-columns:1fr 1fr;gap:2.5rem}
}

@media (max-width:720px){
  .nav,.header__cta{display:none}
  .hamburger{display:flex}
  .mobile-menu.open{display:flex}
  .strip__grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr}
  .uses__grid{grid-template-columns:1fr}
  .form__row{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr}

  /* ---- Prevent any overflow ---- */
  .hero__bg{overflow:hidden}
  .btn{white-space:normal;word-break:break-word}
  .apply::before{opacity:.3}
  .apply__grid{gap:2rem}
  .elig__example{font-size:.92rem}
  .disclosure{padding:2rem 0}
  .card{padding:1.2rem}
  .cta-band__inner{flex-direction:column;text-align:center}
  .topbar__divider{display:none}

  /* ---- Hero / blobs ---- */
  .blob--1{width:280px;height:280px;top:-80px;left:-80px}
  .blob--2{width:300px;height:300px;bottom:-100px;right:-80px}
  .hero{padding:2.5rem 0 0}
  .hero__inner{padding:1.5rem 16px 3rem}
  .hero__title{font-size:clamp(1.7rem,6vw,2.4rem)}
  .hero__lede{font-size:1rem}
  .hero__ctas{flex-direction:column;gap:.6rem}
  .hero__ctas .btn{width:100%;justify-content:center}
  .hero__bullets li{font-size:.85rem}

  /* ---- Trust strip ---- */
  .hero__trust-inner{gap:.8rem;font-size:.78rem;padding:.8rem 16px}
  .hero__trust-inner strong{font-size:.82rem}

  /* ---- Ticker ---- */
  .ticker{max-width:100%;padding:.4rem .7rem .4rem .6rem;font-size:.8rem}
  .ticker__msg{white-space:normal;line-height:1.35}

  /* ---- Form card ---- */
  .form{padding:1.3rem 1.1rem 1.2rem}
  .form__title{font-size:1.2rem}
  .hero__form::before{display:none}
  .trust-strip{font-size:.72rem;padding:.5rem .6rem;gap:.35rem}

  /* ---- Calculator section ---- */
  .calc{padding:1.3rem}
  .calc::before{display:none}
  .calc__title{font-size:1.2rem}
  .calc__row{gap:.6rem}
  .calc__out{min-width:70px;font-size:.9rem}
  .calc__big{font-size:1.2rem}
  .calc__result{grid-template-columns:1fr;gap:.6rem;padding:.8rem}

  /* ---- Stats ---- */
  .stats__grid{grid-template-columns:repeat(2,1fr);gap:1rem}
  .stats__item strong{font-size:clamp(1.5rem,6vw,2.2rem)}

  /* ---- Section spacing ---- */
  .how,.services,.uses,.reviews,.elig,.faq{padding:3rem 0}
  .section-head{margin-bottom:1.8rem}
  .apply{padding:3rem 0}

  /* ---- Eligibility ---- */
  .elig__list{font-size:.92rem}

  /* ---- CTA band ---- */
  .cta-band{padding:2.5rem 0}
  .cta-band h2{font-size:1.4rem}

  /* ---- Disclosure ---- */
  .disclosure p{font-size:.8rem}

  /* ---- Footer ---- */
  .footer{padding:3rem 0 0}
  .footer__grid{gap:1.8rem;padding-bottom:2rem}
  .footer__bottom-inner{flex-direction:column;align-items:center;text-align:center;gap:.3rem}

  /* ---- Scroll to top ---- */
  .to-top{bottom:18px;right:14px;width:40px;height:40px;font-size:1rem}
}

/* ---- Extra-small screens (≤ 480px) ---- */
@media (max-width:480px){
  .container{padding:0 14px}
  .header__inner{padding:.7rem 14px}

  h1{font-size:clamp(1.5rem,6vw,2rem)}
  h2{font-size:clamp(1.3rem,5vw,1.7rem)}

  .eyebrow{font-size:.72rem;padding:.35rem .7rem}

  .hero__ctas .btn{padding:.8rem 1rem;font-size:.9rem}
  .btn--lg{padding:.85rem 1.2rem;font-size:.92rem}

  .strip__item{padding:1.1rem}
  .strip__icon{width:40px;height:40px;font-size:1.1rem}
  .strip__item h3{font-size:.95rem}
  .strip__item p{font-size:.82rem}

  .how__step{padding:1.3rem}
  .how__num{font-size:1.3rem}

  .svc{padding:1.2rem}
  .svc__icon{width:44px;height:44px;font-size:1.3rem}

  .review{padding:1.2rem}
  .review p{font-size:.92rem}
  .review footer span{font-size:.78rem}

  .faq__item summary{padding:.9rem 1rem;font-size:.92rem}
  .faq__item p{padding:0 1rem 1rem;font-size:.88rem}

  .form{padding:1.1rem .9rem 1rem}
  .field input,.field select{padding:.65rem .75rem;font-size:.92rem}
  .form__nav .btn{font-size:.88rem;padding:.75rem .9rem}



  .footer__about{font-size:.85rem}
  .footer ul li{font-size:.85rem}
}