/* --- Tokens --- */
:root {
  --navy:       #0c1b33;
  --navy-mid:   #152742;
  --navy-card:  #192c47;
  --gold:       #f59e0b;
  --gold-dim:   rgba(245, 158, 11, 0.15);
  --cream:      #faf8f4;
  --white:      #ffffff;
  --text:       #d4dce8;
  --muted:      #6b7a8d;
  --border:     rgba(255, 255, 255, 0.07);
  --border-hi:  rgba(255, 255, 255, 0.14);
  --error:      #f87171;
  --success:    #34d399;

  --font-display: 'Fraunces', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;
  --radius:       10px;
  --shadow:       0 2px 12px rgba(0,0,0,0.25);
}

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

html { font-size: 16px; -webkit-font-smoothing: antialiased; }

body {
  font-family: var(--font-body);
  background: var(--navy);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
}

/* --- Page layout --- */
.intake-page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* --- Nav --- */
.intake-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 40px;
  border-bottom: 1px solid var(--border);
  background: rgba(12, 27, 51, 0.9);
  backdrop-filter: blur(12px);
  position: sticky;
  top: 0;
  z-index: 50;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.brand-logo {
  width: 34px;
  height: 34px;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
}

.brand-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--white);
}

.nav-tag {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  opacity: 0.7;
}

/* --- Progress --- */
.progress-container {
  padding: 28px 40px 0;
  background: var(--navy);
  border-bottom: 1px solid var(--border);
}

.progress-inner {
  max-width: 640px;
  margin: 0 auto;
}

.progress-steps {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  opacity: 0.45;
  transition: opacity 0.3s;
}

.step-item.active,
.step-item.completed { opacity: 1; }

.step-circle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid var(--border-hi);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--muted);
  transition: all 0.3s;
  background: var(--navy);
}

.step-item.active .step-circle {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
}

.step-item.completed .step-circle {
  border-color: var(--success);
  background: var(--success);
  color: var(--navy);
}

.step-label {
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--muted);
  white-space: nowrap;
}

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

.step-connector {
  flex: 1;
  height: 1px;
  background: var(--border);
  margin: 0 8px;
  margin-bottom: 20px;
}

.progress-bar-track {
  height: 3px;
  background: var(--border);
  border-radius: 2px;
  margin-bottom: 4px;
}

.progress-bar-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 2px;
  transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

/* --- Form area --- */
form {
  flex: 1;
  padding: 40px 24px 60px;
  max-width: 680px;
  margin: 0 auto;
  width: 100%;
}

/* --- Step panels --- */
.step-panel {
  display: none;
  animation: fadeSlideIn 0.35s ease-out;
}

.step-panel.active { display: block; }

@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}

.step-header {
  margin-bottom: 32px;
}

.step-header h1 {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.01em;
  margin-bottom: 8px;
}

.step-header p {
  color: var(--muted);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* --- Cards --- */
.card {
  background: var(--navy-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 16px;
  box-shadow: var(--shadow);
}

.card-section-label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.optional-badge {
  font-size: 0.65rem;
  font-weight: 400;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--muted);
  background: var(--border-hi);
  padding: 2px 7px;
  border-radius: 4px;
  margin-left: 8px;
}

/* --- Credit score inputs --- */
.score-inputs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.score-field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 8px;
}

.score-input {
  width: 100%;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border-hi);
  border-radius: 8px;
  padding: 12px 14px;
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 600;
  font-family: var(--font-body);
  text-align: center;
  transition: border-color 0.2s, box-shadow 0.2s;
  -moz-appearance: textfield;
}

.score-input::-webkit-inner-spin-button,
.score-input::-webkit-outer-spin-button { -webkit-appearance: none; }

.score-input::placeholder { color: rgba(255,255,255,0.2); font-weight: 400; }
.score-input:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(245,158,11,0.15); }
.score-input.error { border-color: var(--error); }

.field-hint {
  display: block;
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 6px;
}

.avg-score-display {
  margin-top: 20px;
  padding: 16px 20px;
  background: var(--gold-dim);
  border: 1px solid rgba(245, 158, 11, 0.25);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.avg-label {
  font-size: 0.85rem;
  color: var(--muted);
}

.avg-value {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--gold);
}

/* --- Slider --- */
.slider-row {
  display: flex;
  align-items: center;
  gap: 20px;
}

.slider-wrap {
  flex: 1;
  position: relative;
  height: 6px;
}

.slider {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--border-hi);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  z-index: 2;
}

.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 1px 4px rgba(0,0,0,0.4);
  transition: transform 0.15s;
}

.slider::-webkit-slider-thumb:hover { transform: scale(1.15); }

.slider-fill {
  position: absolute;
  top: 0;
  left: 0;
  height: 6px;
  background: var(--gold);
  border-radius: 3px;
  pointer-events: none;
  z-index: 1;
}

.slider-value-wrap {
  display: flex;
  align-items: center;
  gap: 4px;
  flex-shrink: 0;
}

.util-input {
  width: 72px;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border-hi);
  border-radius: 8px;
  padding: 10px 12px;
  color: var(--white);
  font-size: 1rem;
  font-weight: 600;
  font-family: var(--font-body);
  text-align: center;
  -moz-appearance: textfield;
}

.util-input::-webkit-inner-spin-button,
.util-input::-webkit-outer-spin-button { -webkit-appearance: none; }
.util-input:focus { outline: none; border-color: var(--gold); }

.util-pct {
  font-size: 0.9rem;
  color: var(--muted);
  font-weight: 500;
}

/* --- Revolving limit --- */
.revolving-limit-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}

.revolving-limit-row label {
  font-size: 0.875rem;
  color: var(--text);
}

/* --- Currency inputs --- */
.currency-input-wrap {
  display: flex;
  align-items: center;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border-hi);
  border-radius: 8px;
  padding: 0 12px;
  transition: border-color 0.2s;
}

.currency-input-wrap:focus-within { border-color: var(--gold); }

.currency-prefix {
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 500;
  white-space: nowrap;
}

.currency-input {
  background: transparent;
  border: none;
  padding: 10px 8px;
  color: var(--white);
  font-size: 1rem;
  font-family: var(--font-body);
  width: 100px;
  -moz-appearance: textfield;
}

.currency-input:focus { outline: none; }
.currency-input::placeholder { color: rgba(255,255,255,0.2); }

.currency-input-wrap.large .currency-input { font-size: 1.25rem; font-weight: 600; padding: 12px 8px; width: 160px; }
.currency-input-wrap.large { padding: 0 14px; }

/* --- Text inputs --- */
.field-group { display: flex; flex-direction: column; }

.text-input, .select-input {
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border-hi);
  border-radius: 8px;
  padding: 11px 14px;
  color: var(--white);
  font-size: 0.9rem;
  font-family: var(--font-body);
  transition: border-color 0.2s, box-shadow 0.2s;
  width: 100%;
}

.text-input::placeholder { color: rgba(255,255,255,0.2); }
.text-input:focus, .select-input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(245,158,11,0.15);
}
.text-input.error { border-color: var(--error); }

.select-input {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236b7a8d' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  cursor: pointer;
}

.select-input option { background: var(--navy-card); color: var(--white); }

/* --- Two col --- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* --- Upload --- */
.upload-card { border-style: dashed; }

.upload-zone {
  position: relative;
  border: 2px dashed var(--border-hi);
  border-radius: 10px;
  padding: 36px 24px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
}

.upload-zone:hover,
.upload-zone.drag-over {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.upload-input {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
  width: 100%;
  height: 100%;
}

.upload-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  color: var(--muted);
}

.upload-label {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text);
}

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

.upload-preview {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  background: rgba(255,255,255,0.04);
  border-radius: 8px;
  border: 1px solid var(--border-hi);
}

.preview-info {
  display: flex;
  align-items: center;
  gap: 12px;
}

.preview-icon {
  color: var(--success);
}

.preview-filename {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--white);
}

.preview-size {
  font-size: 0.75rem;
  color: var(--muted);
}

.preview-remove {
  background: none;
  border: none;
  color: var(--muted);
  cursor: pointer;
  font-size: 1.2rem;
  padding: 4px;
  line-height: 1;
  transition: color 0.15s;
}

.preview-remove:hover { color: var(--error); }

.or-toggle { margin-top: 12px; }
.upload-note { font-size: 0.78rem; color: var(--muted); margin-top: 10px; }

.link-btn {
  background: none;
  border: none;
  color: var(--gold);
  cursor: pointer;
  font-size: 0.8rem;
  font-family: var(--font-body);
  text-decoration: underline;
  padding: 0;
}

.link-btn:hover { opacity: 0.8; }

/* --- Toggle switches --- */
.toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.toggle-info { flex: 1; }
.toggle-title { font-size: 0.95rem; font-weight: 600; color: var(--white); margin-bottom: 3px; }
.toggle-desc { font-size: 0.8rem; color: var(--muted); }

.toggle-switch {
  position: relative;
  display: inline-flex;
  align-items: center;
  cursor: pointer;
  flex-shrink: 0;
}

.toggle-switch input { opacity: 0; width: 0; height: 0; position: absolute; }

.toggle-track {
  width: 44px;
  height: 24px;
  background: rgba(255,255,255,0.1);
  border-radius: 12px;
  border: 1px solid var(--border-hi);
  transition: background 0.25s;
}

.toggle-thumb {
  position: absolute;
  left: 3px;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  background: var(--white);
  border-radius: 50%;
  transition: transform 0.25s;
  box-shadow: 0 1px 3px rgba(0,0,0,0.3);
}

.toggle-switch input:checked + .toggle-track { background: var(--gold); }
.toggle-switch input:checked ~ .toggle-thumb { transform: translateY(-50%) translateX(20px); }

/* --- Business info --- */
#businessFields { display: none; }
#noBusinessCallout {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px 20px;
  background: rgba(245,158,11,0.07);
  border: 1px solid rgba(245,158,11,0.2);
  border-radius: var(--radius);
  font-size: 0.875rem;
  color: var(--text);
  line-height: 1.5;
  margin-bottom: 16px;
}

.callout-icon { color: var(--gold); flex-shrink: 0; margin-top: 1px; }

/* --- Timeline cards --- */
.timeline-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

.timeline-card { cursor: pointer; }

.timeline-radio { display: none; }

.timeline-card-inner {
  position: relative;
  border: 2px solid var(--border-hi);
  border-radius: var(--radius);
  padding: 22px 18px 18px;
  transition: border-color 0.2s, background 0.2s;
  height: 100%;
}

.timeline-card:hover .timeline-card-inner { border-color: rgba(245,158,11,0.4); background: rgba(245,158,11,0.03); }

.timeline-radio:checked + .timeline-card-inner {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.timeline-icon {
  color: var(--gold);
  margin-bottom: 12px;
  opacity: 0.7;
}

.timeline-radio:checked + .timeline-card-inner .timeline-icon { opacity: 1; }

.timeline-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}

.timeline-desc {
  font-size: 0.8rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 10px;
}

.timeline-detail {
  font-size: 0.75rem;
  color: var(--muted);
  line-height: 1.5;
}

.timeline-check {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  border: 2px solid var(--border-hi);
  transition: all 0.2s;
}

.timeline-radio:checked + .timeline-card-inner .timeline-check {
  background: var(--gold);
  border-color: var(--gold);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6l3 3 5-5' stroke='%230c1b33' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 12px;
}

/* --- Navigation buttons --- */
.step-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: 8px;
  padding: 13px 24px;
  font-size: 0.95rem;
  font-weight: 600;
  font-family: var(--font-body);
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
}

.btn-primary:hover { background: #e8900a; }
.btn-primary:active { transform: scale(0.98); }

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: 1px solid var(--border-hi);
  color: var(--muted);
  border-radius: 8px;
  padding: 12px 20px;
  font-size: 0.9rem;
  font-family: var(--font-body);
  cursor: pointer;
  transition: border-color 0.15s, color 0.15s;
}

.btn-ghost:hover { border-color: rgba(255,255,255,0.25); color: var(--text); }

.btn-submit {
  display: inline-flex;
  align-items: center;
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: 8px;
  padding: 15px 32px;
  font-size: 1rem;
  font-weight: 700;
  font-family: var(--font-body);
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
}

.btn-submit:hover { background: #e8900a; }
.btn-submit:active { transform: scale(0.98); }
.btn-submit:disabled { opacity: 0.7; cursor: not-allowed; transform: none; }

/* --- Spinner --- */
.spinner {
  animation: spinAnim 0.8s linear infinite;
  display: inline-block;
}

@keyframes spinAnim {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}

/* --- Error messages --- */
.error-msg {
  font-size: 0.78rem;
  color: var(--error);
  margin-top: 5px;
  display: none;
}

.error-msg.visible { display: block; }

/* --- Responsive --- */
@media (max-width: 640px) {
  .intake-nav { padding: 14px 20px; }
  .nav-tag { display: none; }

  form { padding: 24px 16px 48px; }

  .step-header h1 { font-size: 1.6rem; }

  .score-inputs { grid-template-columns: 1fr; gap: 12px; }
  .score-field label { font-size: 0.8rem; }

  .two-col { grid-template-columns: 1fr; }
  .slider-row { flex-direction: column; align-items: stretch; gap: 12px; }
  .slider-value-wrap { justify-content: flex-end; }

  .timeline-cards { grid-template-columns: 1fr; }

  .step-nav { flex-direction: column-reverse; gap: 12px; }
  .step-nav button { width: 100%; justify-content: center; }
  .btn-ghost { order: 1; }

  .card { padding: 22px 18px; }
  .avg-score-display { flex-direction: column; gap: 8px; text-align: center; }

  .progress-container { padding: 20px 16px 0; }
  .step-label { font-size: 0.6rem; }
}