/* ===== Secureloanhub – main stylesheet ===== */
:root {
  --navy: #0b3b2e;
  --navy2: #11503f;
  --blue: #0a8a5f;
  --blue-d: #086b49;
  --teal: #2fc48d;
  --bg: #f3f8f5;
  --white: #fff;
  --text: #1b2a25;
  --muted: #586b63;
  --line: #dde8e2;
  --err: #c62828;
  --ok: #1b7a3d;
  --r: 14px;
  --btn: #f5a524;
  --btn-d: #e0900f;
  --btn-text: #ffffff;
}

* {
  box-sizing: border-box;
  margin: 0
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 76px
}

body {
  font-family: Inter, "Segoe UI", Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16.5px
}

h1,
h2,
h3,
h4 {
  font-family: "Plus Jakarta Sans", Inter, sans-serif;
  line-height: 1.15;
  letter-spacing: -.015em;
  color: var(--navy)
}

a {
  color: var(--blue-d)
}

img {
  max-width: 100%;
  height: auto
}

.wrap {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 22px
}

:focus-visible {
  outline: 3px solid var(--teal);
  outline-offset: 2px
}

/* header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 30
}

.bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px
}

.brand img {
  display: block;
  max-width: 197px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 26px
}

.nav a {
  color: var(--text);
  text-decoration: none;
  font-size: 15px;
  font-weight: 500
}

.nav a:hover {
  color: var(--blue)
}

.nav .nav-cta {
  background: var(--btn);
  color: var(--btn-text);
  padding: 9px 18px;
  border-radius: 999px;
  font-weight: 600
}

.nav .nav-cta:hover {
  background: var(--btn-d);
  color: var(--btn-text)
}

/* hero */
.hero {
  position: relative;
  overflow: hidden;
  background: radial-gradient(900px 420px at 85% -10%, rgba(47, 196, 141, .32), transparent 60%), linear-gradient(135deg, var(--navy), var(--navy2) 60%, #17725a);
  color: #fff;
  padding: 68px 0 110px
}

.hero .wrap {
  display: grid;
  grid-template-columns: 1fr 1.08fr;
  gap: 48px;
  align-items: start
}

.hero h1 {
  color: #fff;
  font-size: clamp(32px, 4.6vw, 52px);
  font-weight: 800
}

.hero .lead {
  color: #cfe8dc;
  font-size: 19px;
  margin: 18px 0 26px;
  max-width: 500px
}

.hero-list {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 12px
}

.hero-list li {
  position: relative;
  padding-left: 34px;
  color: #e6f5ee
}

.hero-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 1px;
  width: 23px;
  height: 23px;
  border-radius: 50%;
  background: var(--teal);
  color: #fff;
  font-size: 13px;
  text-align: center;
  line-height: 23px
}

.card {
  background: var(--white);
  border-radius: var(--r);
  box-shadow: 0 18px 50px rgba(5, 30, 22, .30);
  padding: 28px;
  color: var(--text)
}

.card h2 {
  font-size: 22px;
  margin-bottom: 2px
}

.card .sub {
  font-size: 14.5px;
  color: var(--muted);
  margin-bottom: 6px
}

/* form */

/* ---- form card (step 1) ---- */
.card {
  position: relative;
  overflow: hidden;
  padding: 30px 30px 26px
}

.card::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--blue), var(--btn))
}

.stepbar {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 6px 0 22px;
  font-size: 13.5px;
  font-weight: 600;
  color: #7f948b
}

.stepbar span {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: none;
  border: 0;
  padding: 0
}

.stepbar span+span::before {
  content: "";
  width: 38px;
  height: 2px;
  background: var(--line);
  margin-right: 2px
}

.stepbar i {
  font-style: normal;
  display: grid;
  place-items: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #e4ece7;
  color: #7f948b;
  font-size: 13px
}

.stepbar span.on {
  color: var(--navy)
}

.stepbar span.on i {
  background: var(--blue);
  color: #fff
}

.form-title {
  font-size: 26px;
  margin-bottom: 4px
}

.form-sub {
  font-size: 14.5px;
  color: var(--muted);
  margin-bottom: 18px
}

.row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px
}

label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin: 14px 0 6px
}

input[type=text],
input[type=email],
input[type=tel] {
  width: 100%;
  padding: 14px 15px;
  font-size: 16px;
  font-family: inherit;
  color: var(--text);
  background: #eff6f2;
  border: 2px solid transparent;
  border-radius: 12px;
  transition: border-color .15s, background .15s, box-shadow .15s
}

input[type=text]:hover,
input[type=email]:hover {
  background: #e6f0ea
}

input[type=text]:focus,
input[type=email]:focus {
  outline: none;
  background: #fff;
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(10, 138, 95, .16)
}

.consent {
  display: flex;
  gap: 11px;
  align-items: flex-start;
  margin: 18px 0;
  padding: 13px 14px;
  background: #f6faf8;
  border: 1px solid var(--line);
  border-radius: 12px;
  font-size: 12.5px;
  font-weight: 400;
  color: var(--muted);
  line-height: 1.55
}

.consent input {
  margin-top: 2px;
  flex: none;
  width: 18px;
  height: 18px;
  accent-color: var(--blue)
}

button.primary {
  width: 100%;
  padding: 16px;
  font-size: 17px;
  font-weight: 700;
  font-family: inherit;
  color: var(--btn-text);
  background: linear-gradient(135deg, var(--btn), var(--btn-d));
  border: 0;
  border-radius: 12px;
  cursor: pointer;
  box-shadow: 0 8px 20px rgba(245, 165, 36, .38);
  transition: transform .15s, box-shadow .15s
}

button.primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 12px 24px rgba(245, 165, 36, .46)
}

button.primary:disabled {
  opacity: .6;
  cursor: wait;
  transform: none
}

.form-note {
  text-align: center;
  font-size: 13px;
  color: var(--muted);
  margin-top: 12px
}

#error,
.msg {
  font-size: 14px;
  margin-top: 10px;
  min-height: 20px;
  color: var(--err)
}

.msg.ok {
  color: var(--ok)
}

#step2 {
  display: none
}

#apply {
  scroll-margin-top: 88px
}

.frame-wrap {
  position: relative
}

#loader {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 16px;
  padding: 70px 10px;
  color: var(--muted);
  text-align: center
}

#loader p {
  font-size: 15px
}

#loader .spin {
  width: 44px;
  height: 44px;
  border: 4px solid #dfece5;
  border-top-color: var(--blue);
  border-radius: 50%;
  animation: spin .8s linear infinite
}

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

.frame-wrap:not(.loading) #loader {
  display: none
}

.frame-wrap.loading #form-frame {
  position: absolute;
  left: 0;
  top: 0;
  width: 100%;
  visibility: hidden
}

#form-frame {
  display: block;
  width: 100%;
  border: 0;
  overflow: hidden
}

/* sections */
section.block {
  padding: 76px 0
}

section.alt {
  background: var(--white)
}

.head {
  max-width: 620px;
  margin-bottom: 38px
}

.head h2 {
  font-size: clamp(28px, 3.4vw, 40px)
}

.head p {
  color: var(--muted);
  margin-top: 10px
}

.types {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px
}

.type h3 {
  font-size: 19px;
  margin-bottom: 8px
}

.type p {
  font-size: 15px;
  color: var(--muted)
}

.split {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: start
}

.points {
  display: grid;
  gap: 22px
}

.points h3 {
  font-size: 19px;
  margin-bottom: 3px
}

.points p {
  color: var(--muted);
  font-size: 15.5px
}

.reqbox {
  background: var(--navy);
  border-radius: var(--r);
  padding: 30px;
  color: #d6eadf
}

.reqbox h3 {
  color: #fff;
  font-size: 22px;
  margin-bottom: 14px
}

.reqbox ul {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 11px
}

.reqbox li {
  padding-left: 28px;
  position: relative
}

.reqbox li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700
}

.reqbox small {
  display: block;
  margin-top: 16px;
  color: #9cc0b0;
  font-size: 13.5px
}

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

.tip {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 24px
}

.tip h3 {
  font-size: 18px;
  margin-bottom: 6px
}

.tip p {
  font-size: 15px;
  color: var(--muted)
}

.faq-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 48px;
  align-items: start
}

.faq-side {
  position: sticky;
  top: 96px;
  display: grid;
  gap: 16px
}

.faq-side img {
  width: 100%;
  border-radius: var(--r);
  display: block
}

.faq-help {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 5px solid var(--btn);
  border-radius: 12px;
  padding: 18px 20px
}

.faq-help h3 {
  font-size: 18px;
  margin-bottom: 4px
}

.faq-help p {
  font-size: 15px;
  color: var(--muted)
}

details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 12px
}

summary {
  cursor: pointer;
  font-weight: 600;
  font-size: 17px;
  color: var(--navy)
}

details p {
  margin-top: 10px;
  color: var(--muted)
}

.cta {
  background: linear-gradient(135deg, var(--navy), #14634e);
  color: #fff;
  text-align: center;
  padding: 68px 0
}

.cta h2 {
  color: #fff;
  font-size: clamp(28px, 4vw, 40px);
  max-width: 620px;
  margin: 0 auto 12px
}

.cta p {
  color: #cfe8dc;
  margin-bottom: 24px
}

.btn {
  display: inline-block;
  background: var(--btn);
  color: var(--btn-text);
  font-weight: 700;
  padding: 14px 30px;
  border-radius: 999px;
  text-decoration: none
}

.btn:hover {
  background: var(--btn-d)
}

/* legal pages */
.page-hero {
  background: linear-gradient(135deg, var(--navy), #14634e);
  color: #fff;
  padding: 44px 0
}

.page-hero h1 {
  color: #fff;
  font-size: clamp(28px, 4vw, 40px)
}

.page-hero p {
  color: #cfe8dc;
  margin-top: 6px
}

.legal {
  max-width: 100%;
    margin: 0 auto;
    padding: 47px 70px 36px;
}

.legal h2 {
  font-size: 22px;
  margin: 30px 0 8px
}

.legal p,
.legal li {
  color: #33463f;
  margin-top: 8px
}

.legal ul {
  padding-left: 22px
}

.unsub-card {
  max-width: 520px;
  margin: 40px auto 0;
  box-shadow: 0 8px 30px rgba(11, 59, 46, .12)
}

/* footer */
.site-footer {
  background: var(--navy);
  color: #9fc2b3;
  padding: 48px 0 28px;
  font-size: 14px
}

.site-footer a {
  color: #cfe8dc;
  text-decoration: none
}

.site-footer a:hover {
  text-decoration: underline
}

.foot-top {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 30px
}

.foot-brand p {
  margin-top: 14px;
  line-height: 1.7
}

.foot-col h4 {
  color: #fff;
  font-size: 15px;
  margin-bottom: 12px
}

.foot-col a {
  display: block;
  margin-bottom: 8px
}

.foot-disc {
  border-top: 1px solid #1f5443;
  padding-top: 22px;
  display: grid;
  gap: 10px;
  font-size: 12.8px;
  line-height: 1.6
}
@meda(max-width:400px){
  .steps {
  display: grid;
  grid-template-columns: repeat(1, 1fr);
  gap: 30px;
  counter-reset: s
}
}
@media(max-width:900px) {
  .step:not(:last-child)::after {
    display: none
  }
  

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

  .faq-side {
    position: static
  }

  .hero .wrap,
  .split {
    grid-template-columns: 1fr
  }

  .steps,
  .tips {
    grid-template-columns: 1fr;
    gap: 26px
  }

  .types {
    grid-template-columns: 1fr 1fr
  }

  .foot-top {
    grid-template-columns: 1fr 1fr
  }

  .foot-brand {
    grid-column: 1/-1
  }

  .nav a:not(.nav-cta) {
    display: none
  }
}

@media(max-width:540px) {
  .row {
    grid-template-columns: 1fr;
    gap: 0
  }

  .types {
    grid-template-columns: 1fr
  }

  .card {
    padding: 22px
  }
}

@media(prefers-reduced-motion:reduce) {
  html {
    scroll-behavior: auto
  }

  #loader .spin {
    animation-duration: 2s
  }
}

/* ===== effects & polish ===== */
.ico {
  width: 26px;
  height: 26px;
  display: block
}

.tile {
  width: 54px;
  height: 54px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  color: #fff;
  box-shadow: 0 10px 22px rgba(10, 138, 95, .28);
  flex: none;
  transition: transform .25s, background .25s, color .25s, box-shadow .25s
}

.head h2::after {
  content: "";
  display: block;
  width: 56px;
  height: 4px;
  border-radius: 4px;
  margin-top: 14px;
  background: linear-gradient(90deg, var(--blue), var(--btn))
}

.site-header {
  transition: box-shadow .2s
}

.site-header.scrolled {
  box-shadow: 0 6px 24px rgba(11, 59, 46, .10)
}

.nav a:not(.nav-cta) {
  position: relative
}

.nav a:not(.nav-cta)::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -6px;
  height: 2px;
  background: var(--blue);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .2s
}

.nav a:not(.nav-cta):hover::after {
  transform: scaleX(1)
}

.nav .nav-cta,
.btn,
button.primary {
  transition: transform .2s, box-shadow .2s, background .2s
}

.nav .nav-cta:hover,
.btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 26px rgba(245, 165, 36, .4)
}

/* hero */
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, .055) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .055) 1px, transparent 1px);
  background-size: 44px 44px;
  -webkit-mask-image: radial-gradient(ellipse at 25% 15%, #000 15%, transparent 70%);
  mask-image: radial-gradient(ellipse at 25% 15%, #000 15%, transparent 70%)
}

.hero .wrap {
  position: relative;
  z-index: 1
}

.orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  pointer-events: none
}

.orb.a {
  width: 340px;
  height: 340px;
  background: #f5a524;
  opacity: .16;
  left: -120px;
  bottom: -80px;
  animation: drift 14s ease-in-out infinite alternate
}

.orb.b {
  width: 420px;
  height: 420px;
  background: var(--teal);
  opacity: .22;
  right: -100px;
  top: -120px;
  animation: drift 18s ease-in-out infinite alternate-reverse
}

@keyframes drift {
  to {
    transform: translate(30px, 24px)
  }
}

.hero-wave {
  position: absolute;
  left: 0;
  bottom: -1px;
  width: 100%;
  height: 56px;
  display: block;
  z-index: 1;
  fill: var(--bg)
}

.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 30px
}

.chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 15px;
  border-radius: 999px;
  background: rgba(255, 255, 255, .10);
  border: 1px solid rgba(255, 255, 255, .2);
  backdrop-filter: blur(6px);
  font-size: 14px;
  font-weight: 500;
  color: #e6f5ee
}

.chip svg {
  width: 17px;
  height: 17px;
  color: var(--btn)
}

.hero-copy>*,
.hero .card {
  animation: rise .7s cubic-bezier(.2, .7, .2, 1) both
}

.hero-copy .lead {
  animation-delay: .1s
}

.hero-copy .hero-list {
  animation-delay: .2s
}

.hero-copy .chips {
  animation-delay: .3s
}

.hero .card {
  animation-delay: .15s
}

@keyframes rise {
  from {
    opacity: 0;
    transform: translateY(22px)
  }
}

.hero-list li {
  transition: transform .2s
}

.hero-list li:hover {
  transform: translateX(4px)
}

/* steps */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  counter-reset: s
}

.step {
  position: relative;
  counter-increment: s;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 28px 26px;
  transition: transform .25s, box-shadow .25s, border-color .25s
}

.step:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(11, 59, 46, .12);
  border-color: #bfe3d2
}

.step .tile {
  margin-bottom: 20px;
  position: relative
}

.step .tile::after {
  content: counter(s);
  position: absolute;
  top: -9px;
  right: -9px;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--btn);
  color: var(--btn-text);
  font: 800 13px "Plus Jakarta Sans", sans-serif;
  display: grid;
  place-items: center;
  border: 3px solid var(--white)
}

.step:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 54px;
  left: calc(100% + 3px);
  width: 24px;
  border-top: 2px dashed #aad3c2
}

.step:hover .tile {
  transform: scale(1.07) rotate(-4deg)
}

.step h3 {
  font-size: 20px;
  margin-bottom: 6px
}

.step p {
  color: var(--muted);
  font-size: 15.5px
}

/* loan types */
.type {
  position: relative;
  background: var(--bg);
  border-radius: var(--r);
  padding: 26px 22px;
  border: 1px solid var(--line);
  border-top: 4px solid var(--c, var(--teal));
  transition: transform .25s, box-shadow .25s, background .25s
}

.type:nth-child(1) {
  --c: var(--teal)
}

.type:nth-child(2) {
  --c: var(--blue)
}

.type:nth-child(3) {
  --c: var(--navy)
}

.type:nth-child(4) {
  --c: var(--btn)
}

.type .tile {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  margin-bottom: 16px;
  background: var(--c);
  box-shadow: none
}

.type:nth-child(4) .tile {
  color: var(--btn-text)
}

.type:hover {
  transform: translateY(-6px);
  background: #fff;
  box-shadow: 0 18px 40px rgba(11, 59, 46, .12)
}

.type:hover .tile {
  transform: rotate(-8deg) scale(1.1)
}

/* why + requirements */
.points>div {
  display: flex;
  gap: 18px;
  align-items: flex-start
}

.points .tile {
  width: 46px;
  height: 46px;
  border-radius: 14px;
  box-shadow: none;
  background: #e0f3ea;
  color: var(--blue)
}

.points>div:hover .tile {
  background: var(--blue);
  color: #fff;
  transform: scale(1.08)
}

.reqbox {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--navy), var(--navy2));
  box-shadow: 0 24px 50px rgba(11, 59, 46, .22)
}

.reqbox::before {
  content: "";
  position: absolute;
  right: -70px;
  top: -70px;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(47, 196, 141, .38), transparent 70%)
}

.reqbox>* {
  position: relative
}

.reqbox li {
  transition: transform .2s
}

.reqbox li:hover {
  transform: translateX(5px)
}

/* tips */
.alt .tip {
  background: var(--bg)
}

.tip {
  position: relative;
  overflow: hidden;
  transition: transform .25s, box-shadow .25s, background .25s
}

.tip .tile {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  margin-bottom: 16px;
  background: #d9f0e5;
  color: var(--blue);
  box-shadow: none
}

.tip:hover {
  transform: translateY(-6px);
  background: #fff;
  box-shadow: 0 18px 40px rgba(11, 59, 46, .12)
}

.tip:hover .tile {
  background: var(--blue);
  color: #fff
}

.tip::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  height: 4px;
  width: 0;
  background: linear-gradient(90deg, var(--blue), var(--btn));
  transition: width .35s
}

.tip:hover::after {
  width: 100%
}

/* faq */
summary {
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px
}

summary::-webkit-details-marker {
  display: none
}

summary::after {
  content: "";
  flex: none;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: #e0f3ea url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14'%3E%3Cpath d='M7 1v12M1 7h12' stroke='%230a8a5f' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center/13px no-repeat;
  transition: transform .25s, background-color .25s
}

details {
  transition: box-shadow .25s, border-color .25s
}

details:hover {
  border-color: #bfe3d2
}

details[open] {
  border-color: var(--blue);
  box-shadow: 0 10px 28px rgba(11, 59, 46, .10)
}

details[open] summary::after {
  transform: rotate(45deg);
  background-color: var(--btn)
}

details[open] p {
  animation: fade .3s ease
}

@keyframes fade {
  from {
    opacity: 0;
    transform: translateY(-4px)
  }
}

.faq-side img {
  box-shadow: 0 20px 44px rgba(11, 59, 46, .2)
}

/* cta + footer */
.cta {
  position: relative;
  overflow: hidden
}

.cta::before,
.cta::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none
}

.cta::before {
  width: 380px;
  height: 380px;
  left: -130px;
  top: -170px;
  background: rgba(47, 196, 141, .18)
}

.cta::after {
  width: 300px;
  height: 300px;
  right: -90px;
  bottom: -150px;
  background: rgba(245, 165, 36, .18)
}

.cta .wrap {
  position: relative;
  z-index: 1
}

.cta h2::after {
  margin: 14px auto 0;
  content: "";
  display: block;
  width: 56px;
  height: 4px;
  border-radius: 4px;
  background: var(--btn)
}

.site-footer {
  border-top: 4px solid var(--btn)
}

/* scroll reveal (only when JS is running) */
.js [data-reveal] {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .6s ease, transform .6s cubic-bezier(.2, .7, .2, 1);
  transition-delay: var(--d, 0s)
}

.js [data-reveal].in {
  opacity: 1;
  transform: none
}

.js .step[data-reveal].in,
.js .type[data-reveal].in,
.js .tip[data-reveal].in {
  transition-delay: 0s
}

.nofx [data-reveal] {
  opacity: 1 !important;
  transform: none !important
}

@media(prefers-reduced-motion:reduce) {
  .js [data-reveal] {
    opacity: 1;
    transform: none;
    transition: none
  }

  .hero-copy>*,
  .hero .card,
  .orb {
    animation: none
  }

  .step:hover,
  .type:hover,
  .tip:hover {
    transform: none
  }
}

/* ===== MOBILE FIX ===== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
img,iframe{max-width:100%}
.chips{display:flex;flex-wrap:wrap;gap:10px}

@media(max-width:900px){
  .hero{padding:44px 0 84px}
  .hero .lead{font-size:17px}
  section.block{padding:56px 0}
  .head{margin-bottom:28px}
  .steps{grid-template-columns:1fr;gap:26px}
  .foot-top{grid-template-columns:1fr 1fr}
}

@media(max-width:540px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .bar{height:60px}
  .brand img{max-width:150px}
  .nav .nav-cta{padding:8px 14px;font-size:14px}

  .hero{padding:30px 0 64px}
  .hero .wrap{gap:26px}
  .hero h1{font-size:30px}
  .hero .lead{margin:14px 0 20px}
  .hero-list{gap:10px}

  .card{padding:20px 16px}
  .form-title{font-size:22px}
  .stepbar{font-size:12.5px;gap:6px}
  .stepbar span+span::before{width:18px}
  .consent{padding:11px 12px}

  .head h2{font-size:26px}
  .tip,.reqbox{padding:20px}
  details{padding:14px 16px}
  summary{font-size:16px}
  .cta{padding:48px 0}
  .btn{padding:13px 26px}

  .foot-top{grid-template-columns:1fr}
  .site-footer{padding:36px 0 24px}
}

/* ===== MOBILE MENU ===== */
.menu-btn{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;padding:0;position:relative}
.menu-btn span{position:absolute;left:11px;right:11px;height:2px;border-radius:2px;background:var(--navy);transition:transform .25s,opacity .2s,top .25s}
.menu-btn span:nth-child(1){top:14px}
.menu-btn span:nth-child(2){top:21px}
.menu-btn span:nth-child(3){top:28px}
.menu-btn.open span:nth-child(1){top:21px;transform:rotate(45deg)}
.menu-btn.open span:nth-child(2){opacity:0}
.menu-btn.open span:nth-child(3){top:21px;transform:rotate(-45deg)}

@media(max-width:900px){
  .menu-btn{display:block}
  .nav{
    position:absolute;top:100%;left:0;right:0;
    flex-direction:column;align-items:stretch;gap:0;
    background:#fff;border-bottom:1px solid var(--line);
    box-shadow:0 18px 30px rgba(11,59,46,.12);
    padding:8px 16px 18px;
    max-height:0;overflow:hidden;visibility:hidden;opacity:0;
    transition:max-height .3s,opacity .2s,visibility 0s .3s
  }
  .nav.open{max-height:420px;visibility:visible;opacity:1;transition:max-height .3s,opacity .2s}
  .nav a:not(.nav-cta){display:block;padding:14px 4px;border-bottom:1px solid var(--line);font-size:16px}
  .nav a:not(.nav-cta)::after{display:none}
  .nav .nav-cta{display:block;text-align:center;margin-top:14px;padding:13px 18px}
}