/* Citihoms Brand Design System & Styles */
:root {
  --primary-navy: #0E1B38;
  --primary-navy-dark: #091226;
  --primary-navy-light: #162B56;
  --accent-blue: #1E40AF;
  --accent-blue-hover: #1D4ED8;
  --accent-cyan: #0284C7;
  --accent-gold: #D97706;
  --accent-green: #059669;
  --accent-red: #DC2626;

  --bg-page: #F4F6F9;
  --bg-card: #FFFFFF;
  --bg-subtle: #F8FAFC;
  --bg-input: #FFFFFF;
  --bg-input-focus: #F0F7FF;

  --text-primary: #1E293B;
  --text-secondary: #475569;
  --text-muted: #64748B;
  --text-white: #FFFFFF;

  --border-light: #E2E8F0;
  --border-medium: #CBD5E1;
  --border-focus: #2563EB;

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-pill: 50px;

  --shadow-sm: 0 1px 3px rgba(14, 27, 56, 0.06);
  --shadow-md: 0 4px 14px rgba(14, 27, 56, 0.08);
  --shadow-lg: 0 12px 30px rgba(14, 27, 56, 0.12);
  --shadow-xl: 0 20px 40px rgba(14, 27, 56, 0.16);

  --font-heading: 'Open Sans', 'Roboto', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-body: 'Open Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

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

body {
  font-family: var(--font-body);
  background-color: var(--bg-page);
  color: var(--text-primary);
  line-height: 1.6;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  -webkit-font-smoothing: antialiased;
}

/* Header matching citihoms.com */
.site-header {
  background-color: var(--primary-navy);
  color: var(--text-white);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.15);
}

.header-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand-link {
  display: flex;
  align-items: center;
  text-decoration: none;
  gap: 12px;
}

.brand-logo {
  height: 42px;
  width: auto;
  object-fit: contain;
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  color: #CBD5E1;
  text-decoration: none;
  font-size: 0.925rem;
  font-weight: 600;
  transition: var(--transition);
  padding: 8px 12px;
  border-radius: var(--radius-sm);
}

.nav-link:hover {
  color: var(--text-white);
  background: rgba(255, 255, 255, 0.08);
}

.nav-badge {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: #93C5FD;
}

/* Main Container */
.main-content {
  flex: 1;
  max-width: 1200px;
  width: 100%;
  margin: 0 auto;
  padding: 40px 20px 80px;
}

.form-application-screen {
  max-width: 1020px;
  margin: 0 auto;
}

/* Facility Selector Screen (Step 0) */
.facility-selector-screen {
  animation: fadeIn 0.4s ease-out;
}

.screen-hero {
  text-align: center;
  margin-bottom: 40px;
}

.hero-pill {
  display: inline-block;
  background: rgba(14, 27, 56, 0.08);
  color: var(--primary-navy);
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 6px 18px;
  border-radius: var(--radius-pill);
  margin-bottom: 16px;
}

.screen-hero h1 {
  font-size: 2.35rem;
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.5px;
  margin-bottom: 12px;
}

.screen-hero p {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 650px;
  margin: 0 auto;
}

.facility-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(310px, 1fr));
  gap: 24px;
  margin-top: 20px;
}

.facility-card {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  border: 2px solid var(--border-light);
  padding: 36px 30px;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: var(--transition);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.facility-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: var(--primary-navy);
}

.facility-card.featured {
  border-color: var(--primary-navy);
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
}

.card-status-badge {
  align-self: flex-start;
  padding: 4px 12px;
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 20px;
}

.badge-active {
  background: #DCFCE7;
  color: #166534;
  border: 1px solid #BBF7D0;
}

.badge-pending {
  background: #FEF3C7;
  color: #92400E;
  border: 1px solid #FDE68A;
}

.card-icon {
  width: 58px;
  height: 58px;
  border-radius: 14px;
  background: rgba(14, 27, 56, 0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-navy);
  margin-bottom: 20px;
}

.facility-card h2 {
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.facility-sub {
  font-size: 0.88rem;
  color: var(--accent-cyan);
  font-weight: 600;
  margin-bottom: 16px;
}

.facility-desc {
  font-size: 0.94rem;
  color: var(--text-secondary);
  margin-bottom: 24px;
  line-height: 1.55;
}

.feature-list {
  list-style: none;
  margin-bottom: 30px;
  flex: 1;
}

.feature-list li {
  font-size: 0.88rem;
  color: var(--text-primary);
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}

.feature-list svg {
  color: var(--accent-green);
  flex-shrink: 0;
}

/* Pill buttons matching citihoms.com */
.btn-citihoms-primary {
  background-color: var(--primary-navy);
  color: var(--text-white);
  border: none;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.5px;
  padding: 14px 28px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: var(--transition);
  text-decoration: none;
  width: 100%;
}

.btn-citihoms-primary:hover {
  background-color: var(--primary-navy-light);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(14, 27, 56, 0.25);
}

.btn-citihoms-outline {
  background-color: transparent;
  color: var(--primary-navy);
  border: 2px solid var(--primary-navy);
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.5px;
  padding: 12px 28px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: var(--transition);
  width: 100%;
}

.btn-citihoms-outline:hover {
  background-color: rgba(14, 27, 56, 0.05);
}

.btn-citihoms-secondary {
  background-color: #E2E8F0;
  color: var(--text-primary);
  border: none;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 12px 26px;
  cursor: pointer;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-citihoms-secondary:hover {
  background-color: #CBD5E1;
}

/* Modal for Lagos State Revisit Notice */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(14, 27, 56, 0.6);
  backdrop-filter: blur(4px);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

.modal-overlay.open {
  opacity: 1;
  visibility: visible;
}

.modal-card {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  max-width: 500px;
  width: 100%;
  padding: 36px 30px;
  box-shadow: var(--shadow-xl);
  text-align: center;
  transform: scale(0.92);
  transition: var(--transition);
}

.modal-overlay.open .modal-card {
  transform: scale(1);
}

.modal-icon-wrap {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: #FEF3C7;
  color: #B45309;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.modal-card h3 {
  font-size: 1.4rem;
  color: var(--primary-navy);
  margin-bottom: 12px;
}

.modal-card p {
  color: var(--text-secondary);
  font-size: 0.95rem;
  margin-bottom: 24px;
  line-height: 1.6;
}

.modal-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* Submission Success Modal */
.submission-modal-card {
  max-width: 520px;
  position: relative;
  padding: 38px 28px 28px;
}

.modal-close-x {
  position: absolute;
  top: 16px;
  right: 18px;
  background: none;
  border: none;
  color: var(--text-muted);
  cursor: pointer;
  padding: 6px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}

.modal-close-x:hover {
  background: rgba(14, 27, 56, 0.08);
  color: var(--primary-navy);
}

.modal-success-icon-wrap {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  background: #DCFCE7;
  color: #16A34A;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  box-shadow: 0 0 0 6px rgba(34, 197, 94, 0.12);
  animation: pulseGlow 2.2s infinite;
}

@keyframes pulseGlow {
  0% {
    box-shadow: 0 0 0 0 rgba(34, 197, 94, 0.3);
  }
  70% {
    box-shadow: 0 0 0 14px rgba(34, 197, 94, 0);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(34, 197, 94, 0);
  }
}

.submission-modal-badge {
  display: inline-block;
  background: rgba(14, 27, 56, 0.08);
  color: var(--primary-navy);
  font-family: monospace;
  font-size: 0.92rem;
  font-weight: 700;
  padding: 6px 16px;
  border-radius: var(--radius-pill);
  letter-spacing: 0.5px;
  margin-bottom: 14px;
}

.submission-summary-box {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: var(--radius-md);
  padding: 14px 18px;
  margin-bottom: 22px;
  text-align: left;
}

.summary-box-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 0;
  font-size: 0.88rem;
  border-bottom: 1px dashed #E2E8F0;
}

.summary-box-row:last-child {
  border-bottom: none;
}

.summary-box-row .row-label {
  color: var(--text-muted);
  font-weight: 600;
}

.summary-box-row .row-val {
  color: var(--primary-navy);
  font-weight: 700;
  text-align: right;
  max-width: 65%;
  word-break: break-word;
}

/* Form Container & Stepper */
.form-application-screen {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-light);
  overflow: hidden;
  animation: fadeIn 0.4s ease-out;
}

.form-header-bar {
  background: linear-gradient(135deg, var(--primary-navy) 0%, #172D5C 100%);
  color: var(--text-white);
  padding: 28px 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.form-title-group h1 {
  font-size: 1.65rem;
  font-weight: 800;
  margin-bottom: 4px;
  letter-spacing: -0.3px;
}

.form-title-group p {
  font-size: 0.88rem;
  color: #94A3B8;
}

.btn-facility-switch {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: var(--text-white);
  padding: 8px 18px;
  border-radius: var(--radius-pill);
  font-size: 0.825rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
}

.btn-facility-switch:hover {
  background: rgba(255, 255, 255, 0.2);
}

/* Stepper Tabs */
.stepper-nav {
  display: flex;
  background: #F8FAFC;
  border-bottom: 1px solid var(--border-light);
  overflow-x: auto;
}

.step-tab {
  flex: 1;
  min-width: 220px;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 14px;
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: var(--transition);
}

.step-tab.active {
  background: #FFFFFF;
  border-bottom-color: var(--primary-navy);
}

.step-tab.completed .step-number {
  background: var(--accent-green);
  color: #FFFFFF;
}

.step-number {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: #E2E8F0;
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
  transition: var(--transition);
}

.step-tab.active .step-number {
  background: var(--primary-navy);
  color: #FFFFFF;
}

.step-info-title {
  font-size: 0.925rem;
  font-weight: 700;
  color: var(--text-primary);
  display: block;
}

.step-info-sub {
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* Form Body & Sections */
.form-body-wrapper {
  padding: 36px;
}

.form-step-panel {
  display: none;
}

.form-step-panel.active {
  display: block;
  animation: fadeIn 0.3s ease;
}

.section-divider {
  margin: 36px 0 24px;
  padding-bottom: 10px;
  border-bottom: 2px solid #F1F5F9;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.section-divider:first-of-type {
  margin-top: 0;
}

.section-divider h2 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-navy);
  display: flex;
  align-items: center;
  gap: 10px;
}

.section-badge {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--accent-blue);
  background: #EFF6FF;
  padding: 4px 10px;
  border-radius: var(--radius-pill);
}

/* Grid Layouts for inputs */
.form-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.form-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.upload-grid-4 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.form-grid-4 {
  display: grid;
  grid-template-columns: 100px 1fr 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 22px;
}

.form-group.full-width {
  grid-column: 1 / -1;
}

.form-label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

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

.form-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 4px;
  font-style: italic;
}

#otherBankWrapper {
  animation: fadeIn 0.3s ease-out;
  background: #F8FAFC;
  border: 1.5px dashed var(--accent-cyan);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  margin-top: 10px;
}

/* Form Controls */
.input-control, .select-control, .textarea-control {
  width: 100%;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-medium);
  background-color: var(--bg-input);
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--text-primary);
  transition: var(--transition);
}

.input-control:focus, .select-control:focus, .textarea-control:focus {
  outline: none;
  border-color: var(--border-focus);
  background-color: var(--bg-input-focus);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.input-prefix-wrapper {
  display: flex;
  align-items: stretch;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-medium);
  background-color: var(--bg-input);
  overflow: hidden;
  transition: var(--transition);
  width: 100%;
}

.input-prefix-wrapper:focus-within {
  border-color: var(--border-focus);
  background-color: var(--bg-input-focus);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.input-prefix-wrapper .input-prefix {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 14px;
  background-color: #F1F5F9;
  border-right: 1.5px solid var(--border-medium);
  color: var(--primary-navy);
  font-weight: 700;
  font-size: 0.925rem;
  user-select: none;
  pointer-events: none;
  flex-shrink: 0;
}

.input-prefix-wrapper .input-control {
  border: none !important;
  box-shadow: none !important;
  padding: 12px 14px !important;
  background: transparent !important;
  flex: 1;
  min-width: 0;
  width: 100%;
}


/* Calculator Highlight Box */
.calculator-card {
  background: linear-gradient(145deg, #0E1B38 0%, #162B56 100%);
  color: var(--text-white);
  border-radius: var(--radius-lg);
  padding: 30px;
  margin: 24px 0 30px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  overflow: hidden;
}

.calculator-card::after {
  content: "";
  position: absolute;
  top: -50%;
  right: -20%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(59, 130, 246, 0.2) 0%, transparent 70%);
  pointer-events: none;
}

.calc-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
  padding-bottom: 16px;
  flex-wrap: wrap;
  gap: 12px;
}

.calc-header h3 {
  font-size: 1.25rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  gap: 10px;
}

.calc-rate-badge {
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.25);
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.825rem;
  font-weight: 700;
  color: #93C5FD;
}

.calc-results-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
}

.calc-result-box {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-md);
  padding: 18px;
  backdrop-filter: blur(4px);
}

.calc-result-box.featured-result {
  background: rgba(37, 99, 235, 0.25);
  border-color: #60A5FA;
}

.calc-label {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: #94A3B8;
  margin-bottom: 6px;
  font-weight: 600;
}

.calc-value {
  font-size: 1.55rem;
  font-weight: 800;
  color: #FFFFFF;
}

.calc-explanation {
  margin-top: 20px;
  font-size: 0.825rem;
  color: #CBD5E1;
  background: rgba(0, 0, 0, 0.15);
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  gap: 8px;
}

/* File Upload Components */
.upload-card-zone {
  border: 2px dashed var(--border-medium);
  background: var(--bg-subtle);
  border-radius: var(--radius-md);
  padding: 24px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  position: relative;
}

.upload-card-zone:hover, .upload-card-zone.dragover {
  border-color: var(--accent-blue);
  background: #EFF6FF;
}

.upload-card-zone input[type="file"] {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  opacity: 0;
  cursor: pointer;
  z-index: 10;
}

.upload-icon-circle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #E2E8F0;
  color: var(--primary-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
}

.upload-title {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--primary-navy);
  margin-bottom: 4px;
}

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

.upload-preview {
  margin-top: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
}

.preview-thumbnail {
  max-width: 90px;
  max-height: 90px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-light);
  object-fit: cover;
  box-shadow: var(--shadow-sm);
}

.preview-file-tag {
  background: #E2E8F0;
  color: var(--primary-navy);
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  font-weight: 600;
}

/* Signature Pad & Upload Component */
.sig-mode-tabs {
  display: inline-flex;
  background: #E2E8F0;
  border-radius: var(--radius-pill);
  padding: 3px;
  gap: 2px;
}

.btn-sig-mode {
  border: none;
  background: transparent;
  color: var(--text-secondary);
  font-size: 0.8rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

.btn-sig-mode:hover {
  color: var(--primary-navy);
}

.btn-sig-mode.active {
  background: #FFFFFF;
  color: var(--primary-navy);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

.signature-box-wrapper {
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-medium);
  border-radius: var(--radius-md);
  padding: 16px;
  position: relative;
}

.signature-canvas {
  width: 100%;
  height: 180px;
  background: #FFFFFF;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-light);
  touch-action: none;
  cursor: crosshair;
  display: block;
}

.signature-controls {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 10px;
  position: relative;
  z-index: 10;
}

.btn-clear-sig {
  background: transparent;
  border: 1px solid var(--border-medium);
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-secondary);
  cursor: pointer;
  transition: var(--transition);
  position: relative;
  z-index: 15;
  pointer-events: auto;
  user-select: none;
  -webkit-tap-highlight-color: transparent;
}

.btn-clear-sig:hover {
  background: #FEE2E2;
  color: var(--accent-red);
  border-color: var(--accent-red);
}

.btn-clear-sig:active {
  transform: scale(0.96);
}

.sig-status {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-muted);
}

/* Terms and Conditions Box */
.terms-container {
  background: #F8FAFC;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 24px;
  max-height: 220px;
  overflow-y: auto;
  font-size: 0.875rem;
  line-height: 1.6;
  color: var(--text-secondary);
  margin-bottom: 20px;
}

.terms-container p {
  margin-bottom: 12px;
}

.terms-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  font-size: 0.925rem;
  font-weight: 700;
  color: var(--primary-navy);
  margin-bottom: 24px;
}

.terms-checkbox-label input {
  margin-top: 4px;
  width: 18px;
  height: 18px;
  accent-color: var(--primary-navy);
}

/* Review Summary Card */
.summary-review-card {
  background: #F8FAFC;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  padding: 24px;
  margin-bottom: 30px;
}

.summary-review-card h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 18px;
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 10px;
}

.summary-table {
  width: 100%;
  border-collapse: collapse;
}

.summary-table tr {
  border-bottom: 1px solid #E2E8F0;
}

.summary-table tr:last-child {
  border-bottom: none;
}

.summary-table td {
  padding: 10px 12px;
  font-size: 0.9rem;
}

.summary-table td:first-child {
  color: var(--text-muted);
  font-weight: 600;
  width: 40%;
}

.summary-table td:last-child {
  color: var(--primary-navy);
  font-weight: 700;
  text-align: right;
}

/* Advisory Fee Note Card (End of Form Filling) */
.advisory-fee-note-card {
  background: #EFF6FF;
  border: 1.5px solid #BFDBFE;
  border-radius: var(--radius-md);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 24px;
  margin-bottom: 24px;
  box-shadow: 0 1px 3px rgba(37, 99, 235, 0.08);
}

.advisory-fee-note-icon {
  color: #1D4ED8;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #DBEAFE;
}

.advisory-fee-note-text {
  font-size: 0.925rem;
  color: #1E3A8A;
  line-height: 1.5;
}

.advisory-fee-note-text strong {
  font-weight: 700;
  color: #1D4ED8;
}

/* Footer Action Buttons */
.form-footer-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
  gap: 16px;
}

/* Success Receipt Modal/View */
.success-screen {
  text-align: center;
  padding: 50px 30px;
  animation: fadeIn 0.4s ease-out;
}

.success-icon-wrap {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: #DCFCE7;
  color: #16A34A;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}

.success-screen h2 {
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.success-screen p {
  color: var(--text-secondary);
  font-size: 1.05rem;
  max-width: 600px;
  margin: 0 auto 28px;
}

.receipt-card {
  background: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 30px;
  max-width: 550px;
  margin: 0 auto 36px;
  text-align: left;
  box-shadow: var(--shadow-md);
}

.receipt-ref-badge {
  display: inline-block;
  background: #EFF6FF;
  color: var(--primary-navy);
  font-weight: 800;
  font-family: monospace;
  font-size: 1.1rem;
  padding: 6px 16px;
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
  border: 1px dashed var(--accent-blue);
}

/* Site Footer matching Citihoms */
.site-footer {
  background-color: var(--primary-navy-dark);
  color: #94A3B8;
  padding: 40px 24px;
  margin-top: auto;
  font-size: 0.88rem;
  text-align: center;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.site-footer a {
  color: #CBD5E1;
  text-decoration: none;
  transition: var(--transition);
}

.site-footer a:hover {
  color: var(--text-white);
}

.footer-links {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-bottom: 16px;
  flex-wrap: wrap;
}

/* Animations */
@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(8px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Responsive adjustments */
@media (max-width: 768px) {
  .form-header-bar {
    padding: 20px;
  }
  .form-body-wrapper {
    padding: 20px;
  }
  .form-grid-2, .form-grid-3, .form-grid-4, .upload-grid-4 {
    grid-template-columns: 1fr;
  }
  .header-nav {
    display: none; /* Mobile menu can toggle */
  }
  .calc-results-grid {
    grid-template-columns: 1fr;
  }
}