/* SIDE PANEL */
.side-panel {
    display: flex;
    flex-direction: column;
    gap: 16px;
    position: sticky;
    top: 80px
}

.side-banner {
    background: var(--primary);
    border-radius: 18px;
    padding: 28px 24px;
    color: var(--white);
    overflow: hidden;
    position: relative
}

.side-banner::before {
    content: '';
    position: absolute;
    top: -40px;
    right: -40px;
    width: 160px;
    height: 160px;
    border-radius: 50%;
    background: rgba(57, 181, 229, .12)
}

.side-banner::after {
    content: '';
    position: absolute;
    bottom: -30px;
    left: -20px;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: rgba(231, 216, 192, .08)
}

.side-banner-tag {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--secondary);
    background: rgba(57, 181, 229, .15);
    border-radius: 100px;
    padding: 4px 12px;
    display: inline-block;
    margin-bottom: 14px
}

.side-banner-title {
    font-family: var(--font-h);
    font-size: 32px;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 10px;
    position: relative
}

.side-banner-title span {
    color: var(--cream)
}

.side-banner-body {
    font-size: 13px;
    font-weight: 400;
    color: var(--white72);
    line-height: 1.6;
    position: relative
}

.stat-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px
}

.stat-card {
    background: var(--primary);
    border-radius: 12px;
    padding: 16px;
    text-align: center
}

.stat-num {
    font-family: var(--font-h);
    font-size: 30px;
    font-weight: 800;
    color: var(--cream);
    line-height: 1
}

.stat-label {
    font-size: 11px;
    font-weight: 400;
    color: var(--white72);
    margin-top: 4px
}

.trust-card {
    background: var(--white);
    border-radius: 14px;
    border: 1px solid #e4eaf5;
    padding: 20px
}

.trust-card-title {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .8px;
    text-transform: uppercase;
    color: var(--placeholder);
    margin-bottom: 14px
}

.trust-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid #f0f3f8
}

.trust-item:last-child {
    border-bottom: none;
    padding-bottom: 0
}

.trust-icon {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0
}

.trust-icon.blue {
    background: #e8f4fd
}

.trust-icon.green {
    background: #eaf7ec
}

.trust-icon.amber {
    background: #fdf3e3
}

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

.trust-icon.blue svg {
    color: #1a56db
}

.trust-icon.green svg {
    color: #039855
}

.trust-icon.amber svg {
    color: #d4820a
}

.trust-label {
    font-size: 13px;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 2px
}

.trust-sub {
    font-size: 12px;
    color: var(--placeholder);
    line-height: 1.4
}

/* Savings estimator card */
.savings-card {
    background: var(--white);
    border-radius: 14px;
    border: 1px solid #e4eaf5;
    padding: 20px;
    overflow: hidden
}

.savings-card-title {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .8px;
    text-transform: uppercase;
    color: var(--placeholder);
    margin-bottom: 14px
}

.savings-estimate {
    background: var(--primary);
    border-radius: 10px;
    padding: 16px;
    margin-bottom: 14px
}

.savings-est-label {
    font-size: 11px;
    color: var(--white72);
    margin-bottom: 4px
}

.savings-est-val {
    font-family: var(--font-h);
    font-size: 34px;
    font-weight: 800;
    color: var(--cream);
    line-height: 1
}

.savings-est-sub {
    font-size: 11px;
    color: var(--white72);
    margin-top: 4px
}

.savings-slider-label {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: var(--placeholder);
    margin-bottom: 6px
}

.savings-slider {
    width: 100%;
    height: 4px;
    border-radius: 2px;
    appearance: none;
    -webkit-appearance: none;
    background: #e4eaf5;
    cursor: pointer;
    accent-color: var(--secondary)
}

.savings-slider::-webkit-slider-thumb {
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--secondary);
    cursor: pointer;
    appearance: none;
    -webkit-appearance: none;
    border: 2px solid var(--white);
    box-shadow: 0 1px 4px rgba(13, 27, 76, .2)
}

.savings-note {
    font-size: 11px;
    color: var(--placeholder);
    line-height: 1.5;
    margin-top: 10px
}

.already-box {
    background: linear-gradient(135deg, var(--accent2) 0%, #dbeef8 100%);
    border-radius: 14px;
    border: 1px solid rgba(57, 181, 229, .25);
    padding: 18px 20px
}

.already-title {
    font-size: 13px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 6px
}

.already-body {
    font-size: 12px;
    color: var(--text);
    line-height: 1.5;
    margin-bottom: 12px
}

.already-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 700;
    color: var(--primary);
    text-decoration: none;
    border: 1px solid var(--primary);
    border-radius: 999px;
    padding: 6px 14px;
    transition: background .15s
}

.already-link:hover {
    background: rgba(13, 27, 76, .06)
}

.already-link svg {
    width: 14px;
    height: 14px
}

/* FORM CARD */
.form-card {
    background: var(--white);
    border-radius: 18px;
    border: 1px solid #e4eaf5;
    box-shadow: 0 4px 24px rgba(13, 27, 76, .06);
    overflow: hidden
}

.step-track {
    background: var(--primary);
    padding: 24px 32px
}

.step-track-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .8px;
    text-transform: uppercase;
    color: var(--white72);
    margin-bottom: 16px
}

.step-list {
    display: flex;
    list-style: none
}

.step-item {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    position: relative;
    cursor: default
}

.step-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 18px;
    width: calc(50% - 16px);
    height: 1px;
    background: rgba(255, 255, 255, .2)
}

.step-item:not(:first-child)::before {
    content: '';
    position: absolute;
    left: 0;
    top: 18px;
    width: calc(50% - 16px);
    height: 1px;
    background: rgba(255, 255, 255, .2)
}

.step-item.completed::after,
.step-item.completed::before,
.step-item.active::before {
    background: var(--secondary)
}

.step-bubble {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: 2px solid rgba(255, 255, 255, .25);
    background: rgba(255, 255, 255, .08);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-h);
    font-size: 15px;
    font-weight: 700;
    color: rgba(255, 255, 255, .5);
    position: relative;
    z-index: 1;
    transition: all .25s
}

.step-item.active .step-bubble {
    border-color: var(--secondary);
    background: var(--secondary);
    color: var(--white);
    box-shadow: 0 0 0 4px rgba(57, 181, 229, .25)
}

.step-item.completed .step-bubble {
    border-color: rgba(57, 181, 229, .6);
    background: rgba(57, 181, 229, .2);
    color: var(--secondary);
    font-size: 0
}

.step-item.completed .step-bubble::after {
    content: '✓';
    font-size: 16px;
    font-family: inherit
}

.step-label {
    font-size: 10px;
    font-weight: 600;
    letter-spacing: .3px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .35);
    text-align: center;
    margin-top: 8px
}

.step-item.active .step-label {
    color: var(--secondary)
}

.step-item.completed .step-label {
    color: rgba(255, 255, 255, .55)
}

/* FORM BODY */
.form-body {
    padding: 36px 40px 32px
}

.step-panel {
    display: none
}

.step-panel.active {
    display: block
}

.step-hdr {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 28px;
    padding-bottom: 24px;
    border-bottom: 1px solid #f0f3f8
}

.step-num-badge {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    background: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0
}

.step-num-badge svg {
    width: 24px;
    height: 24px;
    color: var(--cream)
}

.step-eyebrow {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .8px;
    text-transform: uppercase;
    color: var(--secondary);
    margin-bottom: 4px
}

.step-title {
    font-family: var(--font-h);
    font-size: 28px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1.15
}

.step-desc {
    font-size: 14px;
    color: var(--placeholder);
    margin-top: 4px;
    line-height: 1.5
}

/* FIELDS */
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px
}

.form-row.full {
    grid-template-columns: 1fr
}

.form-row.three {
    grid-template-columns: 1fr 1fr 130px
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 5px
}

.form-group label {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .5px;
    color: var(--primary)
}

.form-group label .req {
    color: var(--red);
    margin-left: 2px
}

.form-group input,
.form-group select,
.form-group textarea {
    background: var(--white);
    color: #101828;
    border: 1.5px solid #e4eaf5;
    border-radius: 8px;
    padding: 10px 12px;
    font-family: var(--font-b);
    font-size: 14px;
    font-weight: 400;
    height: 44px;
    transition: border-color .15s, box-shadow .15s;
    box-shadow: 0 1px 2px rgba(13, 27, 76, .04);
    appearance: none;
    -webkit-appearance: none
}

.form-group textarea {
    height: auto;
    min-height: 90px;
    padding: 10px 12px;
    resize: vertical
}

.form-group select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23667085' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 32px
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--placeholder);
    font-size: 14px
}

.form-group input:hover,
.form-group select:hover,
.form-group textarea:hover {
    border-color: #b0bec8
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(57, 181, 229, .15)
}

.form-group.has-error input,
.form-group.has-error select,
.form-group.has-error textarea {
    border-color: var(--red)
}

.form-group .hint {
    font-size: 11px;
    color: var(--placeholder);
    margin-top: 2px
}

.form-group .err-msg {
    display: none;
    font-size: 11px;
    color: var(--red);
    margin-top: 2px
}

.form-group.has-error .err-msg {
    display: block
}

/* Phone */
.phone-wrap {
    display: flex;
    border: 1.5px solid #e4eaf5;
    border-radius: 8px;
    overflow: hidden;
    height: 44px;
    transition: border-color .15s, box-shadow .15s
}

.phone-wrap:hover {
    border-color: #b0bec8
}

.phone-wrap:focus-within {
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(57, 181, 229, .15)
}

.phone-prefix {
    background: #f7f9fc;
    border-right: 1.5px solid #e4eaf5;
    padding: 0 12px;
    font-size: 13px;
    color: var(--text);
    display: flex;
    align-items: center;
    flex-shrink: 0
}

.phone-wrap input {
    border: none !important;
    border-radius: 0 !important;
    box-shadow: none !important;
    flex: 1;
    height: 100%;
    background: var(--white)
}

.phone-wrap input:focus {
    box-shadow: none !important
}

/* OTP */
.otp-row {
    display: flex;
    gap: 8px;
    margin-top: 6px
}

.otp-row input {
    width: 52px !important;
    height: 56px !important;
    text-align: center;
    font-size: 22px;
    font-weight: 700;
    border: 1.5px solid #e4eaf5;
    border-radius: 10px;
    padding: 0 !important;
    flex-shrink: 0;
    font-family: var(--font-h);
    background: var(--white);
    color: var(--primary)
}

.otp-row input:focus {
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(57, 181, 229, .15);
    outline: none
}

.otp-art {
    background: var(--primary);
    border-radius: 12px;
    padding: 16px 20px;
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 16px
}

.otp-art-icon {
    width: 44px;
    height: 44px;
    background: rgba(57, 181, 229, .2);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0
}

.otp-art-icon svg {
    width: 22px;
    height: 22px;
    color: var(--secondary)
}

.otp-art-title {
    font-family: var(--font-h);
    font-size: 18px;
    font-weight: 700;
    color: var(--white)
}

.otp-art-sub {
    font-size: 12px;
    color: var(--white72);
    margin-top: 2px
}

.resend-row {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--placeholder);
    margin-top: 10px
}

.resend-btn {
    background: none;
    border: none;
    color: var(--primary);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: underline;
    padding: 0;
    font-family: var(--font-b)
}

/* PW strength */
.pw-bars {
    display: flex;
    gap: 4px;
    margin-top: 7px;
    margin-bottom: 3px
}

.pw-bar {
    flex: 1;
    height: 3px;
    border-radius: 2px;
    background: #e4eaf5;
    transition: background .2s
}

.pw-bar.weak {
    background: var(--red)
}

.pw-bar.medium {
    background: var(--amber)
}

.pw-bar.strong {
    background: var(--green)
}

.pw-label {
    font-size: 11px;
    color: var(--placeholder)
}

/* Issue checklist */
.issue-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin-bottom: 16px
}

.issue-card {
    border: 1.5px solid #e4eaf5;
    border-radius: 10px;
    padding: 12px 14px;
    cursor: pointer;
    position: relative;
    transition: border-color .15s, background .15s;
    background: var(--white);
    display: flex;
    align-items: center;
    gap: 10px
}

.issue-card input[type=checkbox] {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0
}

.issue-card:has(input:checked) {
    border-color: var(--primary);
    background: #f0f4fc
}

.issue-card-dot {
    width: 28px;
    height: 28px;
    border-radius: 8px;
    background: #f0f4fc;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: background .15s
}

.issue-card:has(input:checked) .issue-card-dot {
    background: rgba(13, 27, 76, .12)
}

.issue-card-dot svg {
    width: 14px;
    height: 14px;
    color: var(--primary)
}

.issue-card-label {
    font-size: 13px;
    font-weight: 600;
    color: #101828
}

/* Urgency slider */
.urgency-track {
    margin-top: 8px
}

.urgency-labels {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--placeholder);
    margin-bottom: 6px
}

.urgency-slider {
    width: 100%;
    height: 4px;
    border-radius: 2px;
    appearance: none;
    -webkit-appearance: none;
    background: linear-gradient(to right, var(--secondary) 0%, var(--secondary) 60%, #e4eaf5 60%, #e4eaf5 100%);
    cursor: pointer
}

.urgency-slider::-webkit-slider-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--primary);
    cursor: pointer;
    appearance: none;
    -webkit-appearance: none;
    border: 3px solid var(--white);
    box-shadow: 0 1px 4px rgba(13, 27, 76, .25)
}

.urgency-val {
    font-family: var(--font-h);
    font-size: 20px;
    font-weight: 700;
    color: var(--primary);
    margin-top: 8px
}

/* Budget range */
.budget-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 6px
}

.budget-pill {
    border: 1.5px solid #e4eaf5;
    border-radius: 999px;
    padding: 7px 16px;
    font-size: 13px;
    font-weight: 600;
    color: #344054;
    cursor: pointer;
    transition: all .15s;
    background: var(--white)
}

.budget-pill input[type=radio] {
    display: none
}

.budget-pill:has(input:checked) {
    border-color: var(--primary);
    background: var(--primary);
    color: var(--white)
}

/* Checkbox */
.check-row {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    margin-bottom: 10px
}

.check-row input[type=checkbox] {
    width: 16px !important;
    height: 16px !important;
    border: 1.5px solid var(--border) !important;
    border-radius: 4px !important;
    flex-shrink: 0;
    margin-top: 2px;
    appearance: none;
    -webkit-appearance: none;
    background: var(--white);
    position: relative;
    cursor: pointer;
    transition: background .15s, border-color .15s
}

.check-row input[type=checkbox]:checked {
    background: #155eef;
    border-color: #155eef !important
}

.check-row input[type=checkbox]:checked::after {
    content: '';
    position: absolute;
    left: 4px;
    top: 1px;
    width: 6px;
    height: 10px;
    border: solid white;
    border-width: 0 2px 2px 0;
    transform: rotate(45deg)
}

.check-row label {
    font-size: 13px;
    font-weight: 400;
    color: #5a6680;
    cursor: pointer;
    line-height: 1.5;
    font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
    text-transform: none !important;
    letter-spacing: normal !important
}

.check-row label a {
    color: var(--blue-link);
    text-decoration: underline
}

.divider {
    border: none;
    border-top: 1px dashed #d8e2ec;
    margin: 20px 0
}

/* Anonymous badge */
.anon-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(57, 181, 229, .1);
    border: 1px solid rgba(57, 181, 229, .3);
    border-radius: 8px;
    padding: 10px 14px;
    font-size: 13px;
    color: #1e8baa;
    font-weight: 500;
    margin-bottom: 16px
}

.anon-badge svg {
    width: 16px;
    height: 16px;
    flex-shrink: 0
}

/* Complete */
.complete-wrap {
    text-align: center;
    padding: 10px 0 8px
}

.complete-icon-ring {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    border: 3px solid rgba(57, 181, 229, .3);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 8px
}

.complete-icon {
    width: 64px;
    height: 64px;
    background: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center
}

.complete-icon svg {
    width: 30px;
    height: 30px;
    color: var(--white)
}

.complete-title {
    font-family: var(--font-h);
    font-size: 40px;
    font-weight: 800;
    color: var(--primary);
    margin: 14px 0 8px
}

.complete-desc {
    font-size: 14px;
    color: var(--text);
    max-width: 440px;
    margin: 0 auto 24px;
    line-height: 1.7
}

.complete-actions {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 28px
}

.next-steps {
    background: var(--primary);
    border-radius: 16px;
    padding: 24px;
    text-align: left
}

.ns-tag {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .8px;
    text-transform: uppercase;
    color: var(--secondary);
    background: rgba(57, 181, 229, .15);
    border-radius: 100px;
    padding: 4px 12px;
    display: inline-block;
    margin-bottom: 10px
}

.ns-title {
    font-family: var(--font-h);
    font-size: 26px;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 18px
}

.ns-row {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    padding: 12px 0;
    border-bottom: 1px solid rgba(255, 255, 255, .08)
}

.ns-row:last-child {
    border-bottom: none;
    padding-bottom: 0
}

.ns-num {
    width: 28px;
    height: 28px;
    background: var(--cream);
    color: var(--primary);
    font-family: var(--font-h);
    font-size: 14px;
    font-weight: 800;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px
}

.ns-label {
    font-size: 14px;
    font-weight: 700;
    color: var(--white)
}

.ns-sub {
    font-size: 12px;
    color: var(--white72);
    margin-top: 3px;
    line-height: 1.5
}

/* Timeline card on complete */
.timeline-card {
    background: var(--white);
    border-radius: 14px;
    border: 1px solid #e4eaf5;
    overflow: hidden;
    margin-top: 16px;
    text-align: left
}

.timeline-card-header {
    background: var(--accent2);
    padding: 12px 20px;
    border-bottom: 1px solid #e4eaf5
}

.timeline-card-header p {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .8px;
    color: var(--placeholder)
}

.timeline-row {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 14px 20px;
    border-bottom: 1px solid #f0f3f8
}

.timeline-row:last-child {
    border-bottom: none
}

.tl-day {
    font-family: var(--font-h);
    font-size: 22px;
    font-weight: 800;
    color: var(--primary);
    min-width: 40px
}

.tl-line {
    width: 2px;
    height: 32px;
    background: #e4eaf5;
    flex-shrink: 0
}

.tl-label {
    font-size: 13px;
    font-weight: 600;
    color: var(--primary)
}

.tl-sub {
    font-size: 12px;
    color: var(--placeholder);
    margin-top: 2px
}

/* Form actions */
.form-actions {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid #f0f3f8
}

.step-note {
    font-size: 12px;
    color: var(--placeholder)
}

.actions-right {
    display: flex;
    gap: 10px;
    align-items: center
}

.btn-back {
    background: var(--white);
    border: 1.5px solid #e4eaf5;
    border-radius: 8px;
    color: #344054;
    font-size: 14px;
    font-weight: 600;
    font-family: var(--font-b);
    padding: 10px 20px;
    cursor: pointer;
    transition: border-color .15s
}

.btn-back:hover {
    border-color: #b0bec8
}

.btn-next {
    background: var(--primary);
    border: none;
    border-radius: 8px;
    color: var(--white);
    font-size: 14px;
    font-weight: 700;
    font-family: var(--font-b);
    padding: 11px 26px;
    cursor: pointer;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: background .15s
}

.btn-next:hover {
    background: var(--text)
}

.btn-next svg {
    width: 16px;
    height: 16px
}

.btn-primary-sm {
    background: var(--primary);
    border: 1px solid var(--primary);
    border-radius: 8px;
    color: var(--white);
    font-size: 14px;
    font-weight: 700;
    font-family: var(--font-b);
    padding: 11px 22px;
    cursor: pointer;
    text-decoration: none;
    display: inline-block;
    transition: background .15s
}

.btn-primary-sm:hover {
    background: var(--text)
}

.btn-outline-sm {
    background: transparent;
    border: 1.5px solid var(--primary);
    border-radius: 8px;
    color: var(--primary);
    font-size: 14px;
    font-weight: 600;
    font-family: var(--font-b);
    padding: 10px 20px;
    cursor: pointer;
    text-decoration: none;
    display: inline-block;
    transition: background .15s
}

.btn-outline-sm:hover {
    background: rgba(57, 181, 229, .08)
}

/* FOOTER */
.site-footer {
    background: var(--primary);
    padding: 40px 20px 0;
    color: var(--white72)
}

.ftr {
    max-width: 1170px;
    margin: 0 auto
}

.ftr-cols {
    display: grid;
    grid-template-columns: 2.2fr 1.1fr 1fr .9fr;
    gap: 48px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255, 255, 255, .15)
}

.ftr-logo {
    width: 56px;
    display: block;
    margin-bottom: 12px
}

.ftr-desc {
    font-size: 13px;
    color: var(--white72);
    line-height: 1.3em;
    max-width: 260px
}

.ftr-col-title {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--white);
    margin-bottom: 12px
}

.ftr-col ul {
    list-style: none
}

.ftr-col ul li {
    margin-bottom: 10px
}

.ftr-col ul li a {
    font-size: 13px;
    font-weight: 400;
    color: var(--white72);
    text-decoration: none;
    transition: color .15s
}

.ftr-col ul li a:hover {
    color: var(--white)
}

.ftr-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 0;
    flex-wrap: wrap;
    gap: 6px
}

.ftr-copy,
.ftr-tag {
    font-size: 13px;
    color: rgba(255, 255, 255, .4)
}

/* Loading overlay */
.form-card {
    position: relative
}

.form-card.is-loading::after {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(255,255,255,.7);
    border-radius: 18px;
    z-index: 10
}

.form-card.is-loading::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 40px;
    height: 40px;
    margin: -20px 0 0 -20px;
    border: 3px solid #e4eaf5;
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: spin .7s linear infinite;
    z-index: 11
}

@keyframes spin {
    to { transform: rotate(360deg) }
}

/* Toast */
.reg-toast {
    position: fixed;
    bottom: 24px;
    right: 24px;
    padding: 12px 18px;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 500;
    font-family: var(--font-b);
    color: var(--white);
    z-index: 9999;
    box-shadow: 0 4px 16px rgba(0,0,0,.15);
    max-width: 360px;
    line-height: 1.4;
    animation: toastIn .2s ease
}

@keyframes toastIn {
    from { opacity: 0; transform: translateY(8px) }
    to   { opacity: 1; transform: translateY(0) }
}

.reg-toast-success { background: #039855 }
.reg-toast-error   { background: #d92d20 }

/* Field-level API error */
.form-group .api-err {
    display: block;
    font-size: 11px;
    color: var(--red);
    margin-top: 2px
}

/* Address search icon wrap */
.input-icon-wrap {
    position: relative
}

.input-icon-wrap input {
    padding-right: 36px !important
}

.input-icon {
    position: absolute;
    right: 10px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--placeholder);
    pointer-events: none
}

/* Radio pills */
.radio-pills {
    display: flex;
    gap: 8px;
    flex-wrap: wrap
}

.radio-pill {
    display: flex;
    align-items: center;
    cursor: pointer
}

.radio-pill input[type=radio] { display: none }

.radio-pill span {
    display: inline-block;
    padding: 7px 16px;
    border: 1.5px solid #e4eaf5;
    border-radius: 999px;
    font-size: 13px;
    font-weight: 600;
    color: var(--text);
    background: var(--white);
    transition: border-color .15s, background .15s, color .15s;
    font-family: var(--font-b)
}

.radio-pill input[type=radio]:checked + span {
    border-color: var(--primary);
    background: var(--primary);
    color: var(--white)
}

/* Privacy modal */
.ic-modal-wrapper {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,.5);
    z-index: 1000;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px
}

.ic-modal {
    background: var(--white);
    border-radius: 16px;
    max-width: 600px;
    width: 100%;
    max-height: 80vh;
    display: flex;
    flex-direction: column;
    box-shadow: 0 20px 60px rgba(0,0,0,.2)
}

.ic-modal-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    border-bottom: 1px solid #e4eaf5
}

.ic-modal-header h3 {
    font-size: 17px;
    font-weight: 700;
    color: var(--primary)
}

.ic-modal-close {
    cursor: pointer;
    color: var(--placeholder);
    display: flex;
    align-items: center;
    padding: 4px
}

.ic-modal-close:hover { color: var(--primary) }

.ic-modal-body {
    padding: 20px 24px;
    overflow-y: auto;
    font-size: 13px;
    color: var(--text);
    line-height: 1.7
}

.ic-modal-body h4 { font-size: 15px; font-weight: 700; color: var(--primary); margin-bottom: 8px }
.ic-modal-body p  { margin-bottom: 10px }
.ic-modal-body a  { color: var(--secondary); text-decoration: underline }

@media(max-width:960px) {
    .register-wrap {
        grid-template-columns: 1fr
    }

    .side-panel {
        position: static;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 16px
    }

    .side-banner {
        grid-column: 1/-1
    }
}

@media(max-width:768px) {

    .hdr-nav,
    .hdr-btns {
        display: none
    }

    .hamburger {
        display: block
    }

    .hero-title {
        font-size: 40px
    }

    .hero-body {
        max-width: 100%
    }

    .form-row,
    .form-row.three,
    .issue-grid {
        grid-template-columns: 1fr
    }

    .form-body {
        padding: 24px 20px 20px
    }

    .step-track {
        padding: 20px 16px
    }

    .step-label {
        display: none
    }

    .ftr-cols {
        grid-template-columns: 1fr 1fr;
        gap: 28px
    }

    .ftr-cols>div:first-child {
        grid-column: 1/-1
    }

    .complete-actions {
        flex-direction: column;
        align-items: center
    }

    .side-panel {
        grid-template-columns: 1fr
    }
}