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

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    color: #333;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    min-height: 100vh;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px;
}

.header {
    text-align: center;
    background: white;
    padding: 30px;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
    margin-bottom: 30px;
}

.header h1 {
    color: #2c3e50;
    font-size: 2.5em;
    margin-bottom: 10px;
    font-weight: 700;
}

.header p {
    color: #7f8c8d;
    font-size: 1.2em;
}


.error-banner {
    background: #fbeaea;
    color: #8a1f1f;
    border: 1px solid #f1b7b7;
    padding: 12px 16px;
    border-radius: 8px;
    margin-bottom: 20px;
    box-shadow: 0 4px 10px rgba(0,0,0,0.08);
}
.form-container {
    background: white;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
    overflow: hidden;
    margin-bottom: 30px;
}

.form-header {
    background: linear-gradient(135deg, #3498db, #2980b9);
    color: white;
    padding: 25px;
    text-align: center;
}

.form-header h2 {
    font-size: 1.8em;
    margin-bottom: 10px;
}

.form-section {
    padding: 30px;
}

.form-group {
    margin-bottom: 25px;
}

.form-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    color: #2c3e50;
    font-size: 1.1em;
}

.section-card {
    background: #f8f9fa;
    padding: 20px;
    margin: 20px 0;
    border-radius: 8px;
    border-left: 4px solid #3498db;
}

.section-card h4 {
    color: #2c3e50;
    margin-bottom: 15px;
}

.phone-row {
    display: grid;
    grid-template-columns: 1fr 1fr 2fr;
    gap: 10px;
}

.hint {
    background: #f8f9fa;
    border-left: 4px solid #3498db;
    padding: 12px;
    margin: 8px 0;
    font-size: 0.95em;
    color: #555;
    border-radius: 4px;
}

.hint-icon {
    color: #3498db;
    font-weight: bold;
    margin-right: 8px;
}

.field-hint {
    margin-top: 6px;
    font-size: 0.9em;
    color: #6b7280;
}

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="date"],
select,
textarea {
    width: 100%;
    padding: 12px;
    border: 2px solid #e1e8ed;
    border-radius: 8px;
    font-size: 1em;
    transition: border-color 0.3s ease;
}

select[multiple] {
    min-height: 120px;
}

.addable-group {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.addable-row {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    align-items: center;
}

.addable-row select,
.addable-row input {
    flex: 1 1 220px;
}

.addable-row .add-row-btn,
.addable-row .remove-row-btn {
    flex: 0 0 auto;
    min-width: 36px;
    height: 36px;
    padding: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.grid-2 {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
}

.grid-item label {
    margin-top: 0;
}

.grid-item select,
.grid-item input {
    width: 100%;
}

input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: #3498db;
    box-shadow: 0 0 0 3px rgba(52, 152, 219, 0.1);
}

.checkbox-group {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 15px;
    margin-top: 10px;
}

.checkbox-item {
    display: flex;
    align-items: center;
}

.checkbox-item input[type="checkbox"] {
    margin-right: 10px;
    transform: scale(1.2);
}

.form-navigation {
    display: flex;
    justify-content: flex-end;
    gap: 12px;
    margin-top: 10px;
    padding: 18px 32px 30px;
    border-top: 1px solid rgba(148, 163, 184, 0.2);
}

.btn {
    padding: 12px 30px;
    border: none;
    border-radius: 8px;
    font-size: 1.1em;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn-primary {
    background: linear-gradient(135deg, #3498db, #2980b9);
    color: white;
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(52, 152, 219, 0.4);
}

.btn-primary.is-loading {
    position: relative;
    pointer-events: none;
    opacity: 0.9;
    padding-left: 44px;
}

.btn-primary.is-loading::before {
    content: "";
    position: absolute;
    left: 16px;
    top: 50%;
    width: 14px;
    height: 14px;
    border-radius: 50%;
    border: 2px solid rgba(255, 255, 255, 0.45);
    border-top-color: #fff;
    transform: translateY(-50%);
    animation: spin 0.9s linear infinite;
}

.btn-secondary {
    background: #95a5a6;
    color: white;
}

.btn-secondary:hover {
    background: #7f8c8d;
}

.btn-tertiary {
    background: #ecf0f1;
    color: #2c3e50;
    border: 1px solid #d0d7de;
}

.btn-tertiary:hover {
    background: #e2e8f0;
}

.btn-small {
    padding: 6px 10px;
    font-size: 0.85em;
    margin-left: 8px;
}

.btn-success {
    background: linear-gradient(135deg, #27ae60, #2ecc71);
    color: white;
}

.btn-success:hover {
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(39, 174, 96, 0.4);
}

.form-step {
    display: none;
}

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

.step-indicator {
    display: flex;
    justify-content: center;
    margin-bottom: 30px;
    flex-wrap: wrap;
}

.step {
    width: 35px;
    height: 35px;
    border-radius: 50%;
    background: #ecf0f1;
    color: #7f8c8d;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 5px;
    font-weight: bold;
    transition: all 0.3s ease;
    font-size: 0.9em;
}

.step.active {
    background: #3498db;
    color: white;
}

.step.completed {
    background: #27ae60;
    color: white;
}

.progress-bar {
    height: 6px;
    background: #ecf0f1;
    border-radius: 3px;
    overflow: hidden;
    margin-bottom: 20px;
}

.progress-fill {
    height: 100%;
    background: linear-gradient(135deg, #3498db, #2980b9);
    width: 0%;
    transition: width 0.3s ease;
}

/* Result Styles */
.result-container {
    display: none;
    background: rgba(255, 255, 255, 0.55);
    border-radius: 28px;
    box-shadow: 0 30px 70px -35px rgba(2, 8, 23, 0.55);
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.6);
    backdrop-filter: blur(18px) saturate(160%);
    -webkit-backdrop-filter: blur(18px) saturate(160%);
}

.result-header {
    background: linear-gradient(135deg, rgba(13, 23, 53, 0.92), rgba(10, 39, 96, 0.92));
    color: #0f172a;
    padding: 32px;
    text-align: left;
    border-bottom: 1px solid rgba(148, 163, 184, 0.2);
}

.result-score {
    font-size: 3.4rem;
    font-weight: 800;
    margin: 8px 0;
    color: #ffffff;
}


.result-meta {
    margin-top: 8px;
    font-size: 0.85rem;
    color: #64748b;
    font-weight: 600;
}

.result-verified {
    margin-top: 6px;
    font-size: 0.95em;
    color: #86efac;
    font-weight: 700;
}
.result-status {
    font-size: 1.25rem;
    font-weight: 700;
    color: #e2e8f0;
}

.result-content {
    padding: 28px 32px 32px;
    display: grid;
    gap: 18px;
}

.result-section {
    margin-bottom: 0;
    background: rgba(255, 255, 255, 0.55);
    border: 1px solid rgba(148, 163, 184, 0.18);
    border-radius: 18px;
    padding: 18px 20px;
    box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.02);
    backdrop-filter: blur(14px) saturate(150%);
    -webkit-backdrop-filter: blur(14px) saturate(150%);
}

.result-section h3 {
    color: #0f172a;
    font-size: 1.05rem;
    margin-bottom: 10px;
    padding-bottom: 0;
    border-bottom: none;
    font-weight: 800;
    letter-spacing: -0.01em;
}

.result-hero {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 24px;
    align-items: center;
}

.result-kicker {
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(226, 232, 240, 0.7);
    font-weight: 700;
}

.result-hero-meta {
    display: flex;
    justify-content: flex-end;
}

.result-ref-row {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-top: 6px;
    font-family: "Space Grotesk", sans-serif;
    font-weight: 700;
    color: #e2e8f0;
}

.result-actions .btn {
    min-height: 48px;
    border-radius: 14px;
    font-weight: 700;
}

.result-actions .btn-primary {
    background: linear-gradient(135deg, #002868, #0f4fb0);
}

.result-actions .btn-tertiary {
    background: rgba(255, 255, 255, 0.85);
}

.result-consult-btn {
    min-height: 52px;
    border-radius: 999px;
    font-weight: 800;
    letter-spacing: 0.01em;
    padding: 0 22px;
    background: #a11218;
    box-shadow: 0 18px 36px -18px rgba(161, 18, 24, 0.55);
    text-transform: none;
}

.result-consult-btn:hover {
    transform: translateY(-1px);
    box-shadow: 0 24px 44px -18px rgba(161, 18, 24, 0.7);
}

.result-appeal {
    display: flex;
    justify-content: center;
    padding: 0 32px 28px;
}

@keyframes appealPulse {
    0%, 100% {
        transform: translateY(0);
        box-shadow: 0 16px 32px -18px rgba(191, 10, 48, 0.6);
    }
    50% {
        transform: translateY(-1px);
        box-shadow: 0 20px 36px -18px rgba(191, 10, 48, 0.75);
    }
}

@media (max-width: 900px) {
    .result-hero {
        grid-template-columns: 1fr;
        text-align: left;
    }

    .result-hero-meta {
        justify-content: flex-start;
    }
}

@media (max-width: 720px) {
    .result-content {
        padding: 22px;
    }

    .form-navigation {
        padding: 16px 22px 24px;
        flex-direction: column;
    }

    .result-actions .btn {
        width: 100%;
    }

    .result-appeal .result-consult-btn {
        width: min(100%, 320px);
        font-size: 0.92rem;
    }
}

/* Hero CTA */
.m-hero-visual {
    display: flex;
    flex-direction: column;
    align-items: center;
}

.m-gauge-card {
    margin-bottom: 1.5rem;
    width: 100%;
}

.m-cta-btn {
    margin-top: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 56px;
    padding: 0 26px;
    border-radius: 18px;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-size: 1.05rem;
    font-weight: 800;
    letter-spacing: 0.01em;
    text-decoration: none;
    color: #fff;
    background: linear-gradient(135deg, #002868 0%, #1d4ed8 50%, #bf0a30 100%);
    box-shadow: 0 18px 36px -18px rgba(0, 40, 104, 0.55);
    transition: transform 0.25s ease, box-shadow 0.25s ease, filter 0.25s ease;
}

.m-cta-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 22px 40px -18px rgba(0, 40, 104, 0.65);
    filter: saturate(1.1);
}

.m-cta-btn:focus {
    outline: none;
    box-shadow: 0 0 0 3px rgba(191, 10, 48, 0.25);
}

@media (max-width: 1023px) {
    .m-hero-visual {
        align-items: center;
    }

    .m-cta-btn {
        order: -1;
        margin-bottom: 1.25rem;
        width: min(100%, 320px);
    }
}

@media print {
    body {
        background: #fff;
    }

    .m-nav,
    .m-hero,
    .m-slider-container,
    .m-footer-lux,
    .form-container,
    .result-actions,
    #loadingScreen {
        display: none !important;
    }

    .result-container {
        display: block !important;
        box-shadow: none;
        border: 0;
        background: #fff;
    }
}

/* Consultancy Modal */
.consultancy-modal {
    position: fixed;
    inset: 0;
    z-index: 9999;
    display: grid;
    place-items: center;
}

.policy-modal {
    position: fixed;
    inset: 0;
    z-index: 9998;
    display: grid;
    place-items: center;
}

.policy-modal.hidden {
    display: none;
}

.policy-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(2, 6, 23, 0.55);
    backdrop-filter: blur(6px);
}

.policy-panel {
    position: relative;
    width: min(640px, 92vw);
    background: rgba(255, 255, 255, 0.95);
    border-radius: 22px;
    padding: 26px;
    box-shadow: 0 30px 70px -35px rgba(2, 8, 23, 0.6);
    border: 1px solid rgba(255, 255, 255, 0.7);
    transform: translateY(8px) scale(0.98);
    opacity: 0;
    transition: transform 0.25s ease, opacity 0.25s ease;
}

.policy-modal:not(.hidden) .policy-panel {
    transform: translateY(0) scale(1);
    opacity: 1;
}

.policy-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: none;
    background: rgba(15, 23, 42, 0.08);
    font-size: 1.3rem;
    cursor: pointer;
}

.policy-header h3 {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-size: 1.5rem;
    font-weight: 800;
    color: #002868;
    margin-bottom: 8px;
}

.policy-header p {
    color: #475569;
    margin-bottom: 16px;
}

.policy-body ul {
    margin: 0;
    padding-left: 18px;
    display: grid;
    gap: 8px;
    color: #0f172a;
    font-weight: 600;
}

@media (max-width: 720px) {
    .policy-panel {
        width: min(560px, 94vw);
        padding: 20px;
        border-radius: 20px;
    }
}
.consultancy-modal.hidden {
    display: none;
}

.consultancy-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(2, 6, 23, 0.55);
    backdrop-filter: blur(6px);
}

.consultancy-panel {
    position: relative;
    width: min(560px, 92vw);
    background: rgba(255, 255, 255, 0.92);
    border-radius: 22px;
    padding: 24px;
    box-shadow: 0 30px 70px -35px rgba(2, 8, 23, 0.6);
    border: 1px solid rgba(255, 255, 255, 0.6);
    backdrop-filter: blur(16px);
    transform: translateY(8px) scale(0.98);
    opacity: 0;
    transition: transform 0.25s ease, opacity 0.25s ease;
}

@media (min-width: 1024px) {
    .consultancy-panel {
        width: min(520px, 86vw);
        max-height: 90vh;
        overflow: hidden;
        padding: 14px 16px;
    }

    .consultancy-header h3 {
        font-size: 1.25rem;
        margin-bottom: 4px;
    }

    .consultancy-header p {
        margin-bottom: 8px;
        font-size: 0.95rem;
    }

    .consultancy-label {
        font-size: 0.62rem;
        padding: 3px 8px;
    }

    .consultancy-services {
        gap: 8px;
        margin-top: 12px;
    }

    .consultancy-service {
        padding: 10px 12px;
        border-radius: 12px;
        font-size: 0.95rem;
    }

    .consultancy-form {
        gap: 8px;
        margin-top: 12px;
        grid-template-columns: 1fr 1fr;
    }

    .consultancy-field label {
        margin-bottom: 4px;
        font-size: 0.82rem;
    }

    .consultancy-field input {
        min-height: 42px;
        padding: 0.5rem 0.75rem;
        border-radius: 10px;
    }

    .consultancy-field:nth-child(5) {
        grid-column: 1 / -1;
    }

    .consultancy-actions {
        margin-top: 6px;
    }
}

.consultancy-modal:not(.hidden) .consultancy-panel {
    transform: translateY(0) scale(1);
    opacity: 1;
}

.consultancy-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: none;
    background: rgba(15, 23, 42, 0.08);
    font-size: 1.3rem;
    cursor: pointer;
}

.consultancy-header h3 {
    font-family: 'Bricolage Grotesque', sans-serif;
    font-size: 1.4rem;
    font-weight: 800;
    color: #002868;
    margin-bottom: 6px;
}

.consultancy-header p {
    color: #475569;
    margin-bottom: 12px;
}

.consultancy-label {
    display: inline-flex;
    padding: 4px 10px;
    border-radius: 999px;
    font-size: 0.7rem;
    font-weight: 800;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    color: #991b1b;
    background: rgba(191, 10, 48, 0.12);
}

.consultancy-services {
    display: grid;
    gap: 12px;
    margin-top: 16px;
}

.consultancy-service {
    width: 100%;
    text-align: left;
    padding: 14px 16px;
    border-radius: 16px;
    border: 1px solid rgba(148, 163, 184, 0.35);
    background: rgba(248, 250, 252, 0.9);
    font-weight: 700;
    cursor: pointer;
}

.consultancy-confirm {
    margin-top: 16px;
    padding: 16px;
    border-radius: 16px;
    background: rgba(15, 118, 110, 0.08);
    border: 1px solid rgba(15, 118, 110, 0.2);
    color: #0f766e;
    font-weight: 700;
}

.consultancy-form {
    display: grid;
    gap: 12px;
    margin-top: 16px;
}

.consultancy-field label {
    display: block;
    margin-bottom: 6px;
    font-size: 0.9rem;
    font-weight: 700;
    color: #0f172a;
}

.consultancy-field input {
    width: 100%;
    min-height: 48px;
    padding: 0.7rem 0.9rem;
    border-radius: 12px;
    border: 1px solid rgba(148, 163, 184, 0.35);
    background: rgba(248, 250, 252, 0.9);
}

.consultancy-actions {
    display: flex;
    gap: 10px;
    margin-top: 8px;
}

.consultancy-actions .btn {
    flex: 1;
}

.consultancy-actions .btn-primary {
    background: #0b1f3b;
    color: #fff;
}

.consultancy-actions .btn-primary.is-loading {
    position: relative;
    pointer-events: none;
    opacity: 0.9;
    padding-left: 40px;
}

.consultancy-actions .btn-primary.is-loading::before {
    content: "";
    position: absolute;
    left: 14px;
    top: 50%;
    width: 16px;
    height: 16px;
    margin-top: -8px;
    border-radius: 999px;
    border: 2px solid rgba(255, 255, 255, 0.45);
    border-top-color: #fff;
    animation: spin 0.8s linear infinite;
}

@media (max-width: 720px) {
    .consultancy-panel {
        width: min(520px, 94vw);
        padding: 20px;
        border-radius: 20px;
    }

    .consultancy-service {
        text-align: center;
        padding: 14px;
    }
}

.modal-open {
    overflow: hidden;
}

.score-bar {
    height: 20px;
    background: #ecf0f1;
    border-radius: 10px;
    overflow: hidden;
    margin: 15px 0;
}

.score-fill {
    height: 100%;
    background: linear-gradient(135deg, #3498db, #2980b9);
    transition: width 0.5s ease;
}

.factor-list {
    list-style: none;
}

.factor-list li {
    padding: 12px;
    margin: 8px 0;
    border-radius: 8px;
    border-left: 4px solid #27ae60;
    background: #f8f9fa;
}

.factor-list.negative li {
    border-left-color: #e74c3c;
}

.recommendation-list li {
    border-left-color: #f39c12;
    background: #fff8e1;
}

.confidence-band {
    background: #f8f9fa;
    padding: 15px;
    border-radius: 8px;
    margin: 15px 0;
}

.loading {
    text-align: center;
    padding: 50px;
}

.spinner {
    border: 4px solid #f3f3f3;
    border-top: 4px solid #3498db;
    border-radius: 50%;
    width: 50px;
    height: 50px;
    animation: spin 1s linear infinite;
    margin: 0 auto 20px;
}

@keyframes spin {
    0% { transform: rotate(0deg); }
    100% { transform: rotate(360deg); }
}

.hidden {
    display: none;
}

.lead-status {
    margin-top: 10px;
    font-size: 0.92em;
    padding: 8px 10px;
    border-radius: 6px;
}

.lead-status.info {
    background: #eff6ff;
    color: #1d4ed8;
}

.lead-status.success {
    background: #ecfdf5;
    color: #047857;
}

.lead-status.warn {
    background: #fffbeb;
    color: #b45309;
}

@media (max-width: 768px) {
    .container {
        padding: 10px;
    }
    
    .header h1 {
        font-size: 2em;
    }
    
    .form-section {
        padding: 20px;
    }
    
    .checkbox-group {
        grid-template-columns: 1fr;
    }
    
    .form-navigation {
        flex-direction: column;
        gap: 10px;
    }

    .phone-row {
        grid-template-columns: 1fr;
    }

    .grid-2 {
        grid-template-columns: 1fr;
    }
}

/* ===== Reference Visual Layer (from visuals/reference.html) ===== */


        :root {
            --m-navy: #002868;
            --m-blue: #0A1931;
            --m-crimson: #BF0A30;
            --m-white: #FFFFFF;
            --m-bg: #F8FAFC;
            --m-text: #0F172A;
            --m-text-dim: #64748B;
            --m-border: rgba(226, 232, 240, 0.8);
            --m-glass: rgba(255, 255, 255, 0.75);
            --m-shadow-premium: 0 40px 100px -20px rgba(0, 40, 104, 0.12);
            --m-bezier: cubic-bezier(0.16, 1, 0.3, 1);
            --m-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
        }

        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
            -webkit-tap-highlight-color: transparent;
        }

        html,
        body {
            overflow-x: hidden;
            width: 100%;
            position: relative;
        }

        body {
            font-family: 'Inter', sans-serif;
            color: var(--m-text);
            background-color: var(--m-bg);
            min-height: 100vh;
        }

        /* Background Systems */
        .m-bg-wrap {
            position: fixed;
            inset: 0;
            z-index: -5;
            background: #FDFEFE;
        }

        .m-art-bg {
            position: absolute;
            inset: 0;
            width: 100%;
            height: 100%;
            object-fit: cover;
            opacity: 0.2;
        }

        .m-aura {
            position: fixed;
            width: 1000px;
            height: 1000px;
            background: radial-gradient(circle, rgba(191, 10, 48, 0.05) 0%, rgba(0, 40, 104, 0.04) 50%, transparent 80%);
            border-radius: 50%;
            pointer-events: none;
            z-index: -4;
            transform: translate(-50%, -50%);
            filter: blur(100px);
        }

        .m-noise {
            position: fixed;
            inset: 0;
            z-index: -3;
            opacity: 0.04;
            pointer-events: none;
            background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3BaseFilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.6' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
        }

        .container {
            width: 100%;
            margin: 0 auto;
            padding: 0 1.25rem;
        }

        /* Default Mobile Container (Legacy) */
        @media (max-width: 1023px) {
            .container {
                max-width: 520px;
                padding: 0 0.75rem;
            }
        }

        /* Desktop Expansion */
        @media (min-width: 1024px) {
            .container {
                max-width: 1200px;
                /* Slightly tighter for more focused desktop feel */
                padding: 0 2rem;
            }
        }

        /* Navbar - Compact & Sovereign */
        .m-nav {
            height: 80px;
            display: flex;
            align-items: center;
            position: sticky;
            top: 0;
            z-index: 100;
            background: rgba(255, 255, 255, 0.65);
            backdrop-filter: blur(25px) saturate(200%);
            border-bottom: 1px solid var(--m-border);
        }

        .nav-content {
            display: flex;
            justify-content: space-between;
            align-items: center;
            width: 100%;
        }

        .m-logo {
            display: flex;
            align-items: center;
            gap: 0.75rem;
        }

        .m-flag-badge {
            width: 46px;
            height: 32px;
            padding: 2px;
            background: white;
            border-radius: 6px;
            box-shadow: 0 4px 8px rgba(0, 40, 104, 0.1), inset 0 0 0 1px rgba(0, 0, 0, 0.05);
            position: relative;
            overflow: hidden;
        }

        .m-flag-badge::after {
            content: '';
            position: absolute;
            inset: 0;
            background: linear-gradient(135deg, rgba(255, 255, 255, 0.4) 0%, transparent 60%);
            pointer-events: none;
        }

        .m-brand {
            font-family: 'Bricolage Grotesque', sans-serif;
            font-weight: 800;
            font-size: 1.4rem;
            color: var(--m-navy);
            letter-spacing: -0.04em;
            line-height: 1;
        }

        .m-dot {
            color: var(--m-crimson);
        }

        .m-tagline {
            font-size: 0.5rem;
            font-weight: 950;
            color: var(--m-text-dim);
            letter-spacing: 0.2em;
            margin-top: 1px;
            text-transform: uppercase;
        }

        .m-nav-actions {
            display: flex;
            align-items: center;
            gap: 0.75rem;
        }

        .m-nav-link {
            text-decoration: none;
            color: var(--m-text-dim);
            display: flex;
            align-items: center;
            gap: 0.4rem;
            padding: 0.5rem 0.75rem;
            border-radius: 10px;
            transition: all 0.3s var(--m-bezier);
        }

        .m-nav-link i {
            width: 18px;
            height: 18px;
        }

        .m-nav-label {
            font-size: 0.65rem;
            font-weight: 850;
            letter-spacing: 0.01em;
        }

        .m-nav-link:hover {
            background: rgba(0, 40, 104, 0.04);
            color: var(--m-navy);
        }

        .m-nav-link.high-tier {
            color: var(--m-crimson);
            background: rgba(191, 10, 48, 0.04);
        }

        @media (max-width: 480px) {
            .m-nav-label {
                display: none;
            }

            .m-nav-link {
                padding: 0.65rem;
            }

            .m-nav-sep {
                display: none;
            }
        }

        .m-nav-sep {
            width: 1px;
            height: 20px;
            background: #E2E8F0;
        }

        /* Hero Section - Compact Efficiency */
        .m-hero {
            padding: 3.5rem 0 0;
            /* Reduced bottom padding from 2.5rem to 0.5rem */
            text-align: center;
        }

        .m-hero-inner {
            display: block;
        }

        .m-slider-container {
            display: none;
        }

        @media (min-width: 1024px) {
            .m-hero {
                text-align: left;
                padding: 4rem 0 2rem;
                display: flex;
                flex-direction: column;
                justify-content: center;
                min-height: auto;
                /* Reset for inner grid */
            }

            .m-hero-inner {
                display: grid;
                grid-template-columns: 1fr 1fr;
                gap: 6rem;
                align-items: center;
                width: 100%;
            }

            .m-h1 {
                font-size: clamp(3.5rem, 6vw, 5rem);
                /* Larger scale for desktop */
                margin-bottom: 2rem;
            }

            .m-lead {
                margin-left: 0;
                max-width: 520px;
                /* Increased from 440px */
                font-size: 1.2rem;
                /* Slightly larger for desktop */
            }

            .m-pill-reveal {
                margin-bottom: 2.5rem;
                transition: transform 0.3s var(--m-bezier);
            }

            .m-pill-reveal:hover {
                transform: translateX(10px);
                background: #f8fafc;
                border-color: var(--m-navy);
            }
        }

        .m-pill-reveal {
            display: inline-flex;
            align-items: center;
            gap: 0.5rem;
            padding: 0.4rem 1rem;
            background: white;
            border-radius: 99px;
            border: 1px solid #F1F5F9;
            box-shadow: 0 4px 8px rgba(0, 0, 0, 0.01);
            font-size: 0.6rem;
            font-weight: 900;
            color: var(--m-navy);
            letter-spacing: 0.05em;
            margin-bottom: 1.75rem;
        }

        .m-pulse {
            width: 6px;
            height: 6px;
            background: #10B981;
            border-radius: 50%;
            position: relative;
        }

        .m-pulse::after {
            content: '';
            position: absolute;
            inset: 0;
            background: #10B981;
            border-radius: 50%;
            animation: m-ping 2s infinite;
        }

        @keyframes m-ping {
            0% {
                transform: scale(1);
                opacity: 0.8;
            }

            100% {
                transform: scale(4);
                opacity: 0;
            }
        }

        .m-h1 {
            font-family: 'Bricolage Grotesque', sans-serif;
            font-size: clamp(2.5rem, 8vw, 4rem);
            /* Slightly larger max for 4k/large screens */
            font-weight: 800;
            line-height: 0.95;
            color: var(--m-navy);
            letter-spacing: -0.06em;
            margin-bottom: 1.5rem;
        }

        .m-gradient-text {
            background: linear-gradient(135deg, var(--m-navy) 0%, var(--m-crimson) 100%);
            -webkit-background-clip: text;
            background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .m-lead {
            font-size: 1.1rem;
            color: var(--m-text-dim);
            line-height: 1.6;
            max-width: 480px;
            margin: 0 auto 3rem;
            font-weight: 500;
        }

        /* Gauge Card - Streamlined Instrument */
        .m-gauge-card {
            background: var(--m-glass);
            backdrop-filter: blur(40px) saturate(200%);
            border-radius: 28px;
            padding: 1.75rem;
            border: 1px solid white;
            box-shadow: var(--m-shadow-premium);
            text-align: left;
            margin-bottom: 2.5rem;
        }

        .m-gauge-head {
            display: flex;
            justify-content: space-between;
            align-items: flex-end;
            margin-bottom: 1.25rem;
        }

        .m-g-title {
            font-size: 0.6rem;
            font-weight: 950;
            color: var(--m-text-dim);
            letter-spacing: 0.1em;
        }

        .m-g-value {
            font-family: 'Bricolage Grotesque', sans-serif;
            font-size: 2.25rem;
            font-weight: 800;
            color: var(--m-navy);
            line-height: 1;
        }

        .m-gauge-track {
            height: 8px;
            background: rgba(0, 0, 0, 0.04);
            border-radius: 99px;
            position: relative;
            overflow: hidden;
        }

        .m-gauge-fill {
            height: 100%;
            background: linear-gradient(90deg, var(--m-navy), var(--m-crimson));
            border-radius: 99px;
            position: relative;
            animation: fill-g 1.8s var(--m-bezier) forwards;
            transform-origin: left;
        }

        @keyframes fill-g {
            from {
                transform: scaleX(0);
            }

            to {
                transform: scaleX(1);
            }
        }

        .m-gauge-sheen {
            position: absolute;
            inset: 0;
            background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.4), transparent);
            width: 60%;
            height: 100%;
            animation: gauge-scan 3s linear infinite;
        }

        @keyframes gauge-scan {
            0% {
                transform: translateX(-200%);
            }

            100% {
                transform: translateX(200%);
            }
        }

        .m-gauge-footer {
            display: flex;
            justify-content: space-between;
            gap: 1rem;
            margin-top: 1.5rem;
            padding-top: 1.25rem;
            border-top: 1px solid rgba(0, 0, 0, 0.03);
        }

        .m-g-stat {
            display: flex;
            align-items: center;
            gap: 0.4rem;
            font-size: 0.65rem;
            font-weight: 950;
            color: var(--m-navy);
        }

        .m-g-stat i {
            width: 14px;
            height: 14px;
            color: var(--m-crimson);
        }

        /* Activity */
        .m-activity {
            height: 30px;
            overflow: hidden;
            opacity: 0.45;
            width: 100%;
            position: relative;
        }

        .m-activity-scroll {
            display: flex;
            gap: 3rem;
            justify-content: center;
            animation: t-scroll 25s linear infinite;
            white-space: nowrap;
        }

        .m-activity-scroll span {
            font-size: 0.65rem;
            font-weight: 950;
            letter-spacing: 0.1em;
            color: var(--m-navy);
        }

        /* Main Grid Layout */
        .m-main-grid {
            display: flex;
            flex-direction: column;
            gap: 0;
            /* Reduced from 1.25rem to 0.5rem to further tighten top gap */
            padding-bottom: 5rem;
            /* Gap between form stack and footer on mobile */
        }

        @keyframes t-scroll {
            from {
                transform: translateX(0);
            }

            to {
                transform: translateX(-50%);
            }
        }

        @media (min-width: 1024px) {
            .m-main-grid {
                display: block;
                /* Balanced vertical stack */
                padding-top: 2rem;
                padding-bottom: 4rem;
                position: relative;
            }

            /* Slider Implementation */
            .m-slider-container {
                display: block;
                width: 100vw;
                margin-left: calc(-50vw + 50%);
                overflow: hidden;
                padding: 4rem 0;
                background: rgba(0, 40, 104, 0.02);
                border-top: 1px solid rgba(0, 0, 0, 0.03);
                border-bottom: 1px solid rgba(0, 0, 0, 0.03);
                margin-bottom: 4rem;
            }

            .m-slider-track {
                display: flex;
                gap: 4rem;
                animation: m-slide-loop 40s linear infinite;
                width: max-content;
            }

            .m-slide-item {
                font-family: 'Space Grotesk', sans-serif;
                font-size: 0.7rem;
                font-weight: 800;
                color: var(--m-navy);
                background: linear-gradient(135deg, #ffffff 0%, #f1f5f9 100%);
                padding: 0.7rem 2.5rem;
                border-radius: 10px;
                border: 1px solid rgba(255, 255, 255, 1);
                box-shadow:
                    0 10px 30px -10px rgba(0, 40, 104, 0.12),
                    0 4px 12px -4px rgba(0, 40, 104, 0.08),
                    inset 0 1px 0 0 rgba(255, 255, 255, 1);
                letter-spacing: 0.15em;
                white-space: nowrap;
                display: flex;
                align-items: center;
                gap: 1rem;
                transition: all 0.6s var(--m-bezier);
                position: relative;
                overflow: hidden;
                text-transform: uppercase;
            }

            .m-slide-item::before {
                content: '';
                position: absolute;
                inset: 0;
                background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.8), transparent);
                transform: translateX(-150%) skewX(-15deg);
                transition: transform 0.8s var(--m-bezier);
                z-index: 2;
            }

            .m-slide-item:hover::before {
                transform: translateX(150%) skewX(-15deg);
            }

            .m-slide-item::after {
                content: '';
                width: 6px;
                height: 6px;
                background: var(--m-crimson);
                border-radius: 50%;
                box-shadow: 0 0 8px var(--m-crimson);
                opacity: 0.8;
            }

            .m-slide-item span {
                position: relative;
                z-index: 1;
                opacity: 0.9;
            }

            .m-slide-item:hover {
                transform: translateY(-4px) scale(1.03);
                border-color: rgba(0, 40, 104, 0.1);
                box-shadow: 0 20px 40px -15px rgba(0, 40, 104, 0.2);
                color: var(--m-crimson);
            }

            .m-slide-item:hover::after {
                background: var(--m-navy);
                box-shadow: 0 0 12px var(--m-navy);
            }

            @keyframes m-slide-loop {
                0% {
                    transform: translateX(0);
                }

                100% {
                    /* Exactly half of the total items width + gaps */
                    transform: translateX(calc(-50% - 2rem));
                }
            }

            /* Form Section Adjustments */
            .m-form-section {
                max-width: 900px;
                margin: 0 auto;
            }

            .m-hero-decoration {
                position: absolute;
                left: -8%;
                top: 50%;
                transform: translateY(-50%);
                font-family: 'Bricolage Grotesque', sans-serif;
                font-size: 20rem;
                /* Increased from 15rem */
                font-weight: 900;
                color: var(--m-navy);
                opacity: 0.03;
                /* Slightly more visible */
                pointer-events: none;
                z-index: -1;
                letter-spacing: -0.05em;
                line-height: 1;
                white-space: nowrap;
                user-select: none;
            }

            /* Desktop-only Hover Effects & Refinements */
            .m-gauge-card:hover {
                transform: translateY(-8px) rotateX(2deg) rotateY(-2deg) !important;
                box-shadow: 0 50px 100px -20px rgba(0, 40, 104, 0.18);
                border-color: rgba(191, 10, 48, 0.2);
            }

            .m-card-stack:hover {
                box-shadow: 0 60px 120px -30px rgba(0, 40, 104, 0.15);
            }

            .m-input-box:hover {
                border-color: #cbd5e1;
            }

            .m-step-j:not(.active):hover {
                background: rgba(0, 40, 104, 0.02);
            }

            .m-btn-prime.luxe:hover {
                background: linear-gradient(135deg, #1e293b, var(--m-navy));
            }

            .m-btn-prime.luxe-2:hover {
                background: linear-gradient(135deg, #991b1b, var(--m-crimson));
            }

            .m-nav-link:hover .m-nav-label {
                color: var(--m-navy);
                transform: translateX(2px);
            }

            .m-nav-label {
                transition: all 0.3s var(--m-bezier);
            }
        }

        @media (max-width: 1023px) {
            .m-form-section {
                padding: 0 0 1.5rem;
                /* Removed horizontal gaps to maximize form width */
                margin-top: -1.5rem;
                /* Pull the form section up to reduce the top gap */
            }

            .m-card-top {
                display: none;
            }
        }

        /* Form Section - Aesthetic Compression */
        .m-card-stack {
            background: rgba(255, 255, 255, 0.72);
            backdrop-filter: blur(24px) saturate(180%);
            -webkit-backdrop-filter: blur(24px) saturate(180%);
            border-radius: 32px;
            padding: 0;
            overflow: hidden;
            box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.15), 0 0 0 1px rgba(255, 255, 255, 0.5) inset;
            border: 1px solid rgba(255, 255, 255, 0.4);
        }

        .m-card-top {
            background: rgba(255, 255, 255, 0.45);
            padding: 1.5rem 0;
            border-bottom: 1px solid rgba(0, 0, 0, 0.06);
        }

        .m-steps-glass {
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 0.75rem;
        }

        .m-step-j {
            position: relative;
            padding: 0.6rem 1.25rem;
            display: flex;
            align-items: center;
            gap: 0.6rem;
            border-radius: 14px;
            transition: 0.4s var(--m-bezier);
        }

        .m-step-j.active {
            color: white;
        }

        .m-step-j.active .ms-j-bg {
            opacity: 1;
            transform: scale(1);
        }

        .ms-j-bg {
            position: absolute;
            inset: 0;
            background: var(--m-navy);
            border-radius: 14px;
            z-index: 1;
            opacity: 0;
            transform: scale(0.95);
            transition: 0.4s var(--m-bezier);
        }

        .ms-j-n {
            position: relative;
            z-index: 2;
            font-family: 'Bricolage Grotesque', sans-serif;
            font-size: 1.1rem;
            font-weight: 800;
        }

        .ms-j-t {
            position: relative;
            z-index: 2;
            font-size: 0.55rem;
            font-weight: 950;
            letter-spacing: 0.05em;
            opacity: 0.6;
        }

        .active .ms-j-t {
            opacity: 1;
        }

        .m-step-j-link {
            width: 24px;
            height: 1px;
            background: #E2E8F0;
        }

        /* Form Content - Compact Polish */
        .m-form-content {
            padding: 3rem 2rem;
        }

        @media (min-width: 1024px) {
            .m-form-content {
                padding: 4rem 3rem;
                /* More spacious for desktop */
            }
        }

        .m-view-head {
            margin-bottom: 2.5rem;
        }

        .m-h2 {
            font-family: 'Bricolage Grotesque', sans-serif;
            font-size: 2.5rem;
            font-weight: 800;
            color: var(--m-navy);
            letter-spacing: -0.05em;
            margin-bottom: 0.75rem;
            line-height: 1.1;
        }

        .m-subtitle {
            font-size: 1rem;
            color: var(--m-text-dim);
            font-weight: 500;
            line-height: 1.5;
            max-width: 400px;
        }

        .m-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1.25rem;
            margin-bottom: 2.5rem;
        }

        @media (min-width: 1024px) {
            .m-grid {
                gap: 1.5rem;
                /* Larger gap for desktop inputs */
            }
        }

        @media (max-width: 480px) {
            .m-grid {
                grid-template-columns: 1fr;
            }
        }

        .full {
            grid-column: 1 / -1;
        }

        .m-input-box {
            position: relative;
            display: flex;
            align-items: center;
            background: rgba(255, 255, 255, 0.55);
            border: 1px solid rgba(0, 0, 0, 0.08);
            /* Clean thin border */
            border-radius: 18px;
            /* Slightly more rounded iOS style */
            height: 60px;
            /* Slightly more compact */
            transition: 0.3s cubic-bezier(0.2, 0.8, 0.2, 1);
            box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.015);
        }

        .m-input-box input {
            width: 100%;
            height: 100%;
            background: transparent;
            border: none;
            padding: 1.25rem 3.5rem 0.25rem 1.15rem;
            font-family: inherit;
            font-size: 1rem;
            font-weight: 600;
            color: var(--m-navy);
        }

        .m-input-box input:focus {
            outline: none;
        }

        .m-label-float {
            position: absolute;
            left: 1.15rem;
            top: 50%;
            transform: translateY(-50%);
            font-size: 0.9rem;
            font-weight: 600;
            color: #94A3B8;
            pointer-events: none;
            transition: 0.2s var(--m-bezier);
        }

        .m-input-box input:focus~.m-label-float,
        .m-input-box input:not(:placeholder-shown)~.m-label-float {
            top: 1.1rem;
            font-size: 0.65rem;
            font-weight: 900;
            color: var(--m-navy);
        }

        .m-input-box i {
            position: absolute;
            right: 1.15rem;
            width: 18px;
            height: 18px;
            color: #CBD5E1;
            transition: 0.3s;
        }

        .m-input-box:focus-within {
            border-color: #007AFF;
            /* Apple Blue Focus */
            background: rgba(255, 255, 255, 0.9);
            box-shadow: 0 4px 12px rgba(0, 122, 255, 0.12);
        }

        /* Buttons Compressed */
        .m-btn-prime {
            width: 100%;
            height: 60px;
            /* Aligned with input height */
            border-radius: 18px;
            border: none;
            font-family: 'Bricolage Grotesque', sans-serif;
            font-size: 1.25rem;
            font-weight: 800;
            background: var(--m-navy);
            color: white;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 0.75rem;
            cursor: pointer;
            transition: all 0.4s var(--m-spring);
            box-shadow: 0 16px 32px -8px rgba(0, 40, 104, 0.2);
            position: relative;
            overflow: hidden;
        }

        .m-btn-prime::before {
            content: '';
            position: absolute;
            inset: 0;
            background: linear-gradient(135deg, rgba(255, 255, 255, 0.2) 0%, transparent 100%);
            opacity: 0;
            transition: 0.4s var(--m-bezier);
        }

        .m-btn-prime:hover::before {
            opacity: 1;
        }

        .m-btn-prime.luxe {
            background: linear-gradient(135deg, var(--m-navy), #1e293b);
        }

        .m-btn-prime.luxe-2 {
            background: linear-gradient(135deg, var(--m-crimson), #991b1b);
            box-shadow: 0 16px 32px -8px rgba(191, 10, 48, 0.2);
        }

        .m-btn-prime:hover {
            transform: translateY(-4px) scale(1.02);
            box-shadow: 0 24px 48px -12px rgba(0, 40, 104, 0.35);
        }

        .m-btn-prime:active {
            transform: translateY(-1px) scale(0.98);
        }

        .m-btn-ghost {
            width: 120px;
            height: 68px;
            background: #F1F5F9;
            border: none;
            border-radius: 18px;
            color: var(--m-text-dim);
            font-weight: 800;
            cursor: pointer;
            font-size: 0.9rem;
        }

        .m-btn-group {
            display: flex;
            gap: 1rem;
        }

        .m-btn-group .m-btn-prime {
            flex: 1;
        }

        /* Mock Form Compressed */
        .m-mock-form-lux {
            background: #020617;
            border-radius: 24px;
            padding: 1.75rem;
            margin-bottom: 3rem;
        }

        .mml-dots {
            display: flex;
            gap: 0.5rem;
            margin-bottom: 1.5rem;
        }

        .mml-dots span {
            width: 8px;
            height: 8px;
            border-radius: 50%;
            background: rgba(255, 255, 255, 0.1);
        }

        .mml-body {
            display: flex;
            flex-direction: column;
            gap: 1rem;
        }

        .mml-row {
            display: flex;
            justify-content: space-between;
            border-bottom: 1px solid rgba(255, 255, 255, 0.02);
            padding-bottom: 0.75rem;
        }

        .mml-label {
            font-size: 0.65rem;
            font-family: monospace;
            color: #475569;
            font-weight: 700;
        }

        .mml-val {
            font-size: 0.85rem;
            font-family: monospace;
            color: white;
            font-weight: 800;
        }

        /* Footer - Ultra Minimalist */
        .m-footer-lux {
            padding: 1.25rem 0;
            background: white;
            border-top: 1px solid #F1F5F9;
        }

        .footer-grid {
            display: flex;
            justify-content: space-between;
            align-items: center;
            gap: 1.5rem;
        }

        @media (min-width: 1024px) {
            .footer-grid {
                padding: 1rem 0;
            }
        }

        @media (max-width: 640px) {
            .footer-grid {
                flex-direction: column;
                gap: 1rem;
                text-align: center;
            }
        }

        .f-col-brand {
            display: flex;
            align-items: center;
        }

        .f-logo-wrap {
            display: flex;
            align-items: center;
            gap: 0.4rem;
        }

        .f-logo-indicator {
            width: 6px;
            height: 6px;
            background: var(--m-crimson);
            border-radius: 1.5px;
        }

        .f-brand-name {
            font-family: 'Bricolage Grotesque', sans-serif;
            font-weight: 800;
            font-size: 0.95rem;
            color: var(--m-navy);
            opacity: 0.6;
            letter-spacing: -0.01em;
        }

        .f-col-trust {
            display: flex;
            align-items: center;
            gap: 0.75rem;
        }

        .f-trust-pill {
            display: flex;
            align-items: center;
            gap: 0.3rem;
            background: #F8FAFC;
            padding: 0.3rem 0.6rem;
            border-radius: 4px;
            border: 1px solid #F1F5F9;
        }

        .f-trust-pill i {
            width: 10px;
            height: 10px;
            color: #10B981;
            opacity: 0.8;
        }

        .f-trust-pill span {
            font-size: 0.5rem;
            font-weight: 900;
            color: var(--m-navy);
            letter-spacing: 0.05em;
            opacity: 0.5;
        }

        .f-col-links {
            display: flex;
            align-items: center;
            gap: 1.5rem;
        }

        .f-link-group {
            display: flex;
            gap: 1rem;
        }

        .f-link-group a {
            text-decoration: none;
            font-size: 0.7rem;
            font-weight: 700;
            color: var(--m-navy);
            opacity: 0.35;
            transition: 0.3s;
        }

        .f-link-group a:hover {

            opacity: 0.7;
        }

        .f-legal {
            font-size: 0.7rem;
            font-weight: 600;
            color: var(--m-text-dim);
            opacity: 0.5;
        }

        /* Animations */
        .animate-m {
            opacity: 0;
            transform: translateY(30px);
            animation: m-reveals 1s var(--m-bezier) forwards;
            animation-delay: var(--m);
        }

        @keyframes m-reveals {
            to {
                opacity: 1;
                transform: translateY(0);
            }
        }

        .reveal-m {
            animation: v-reveal 0.5s var(--m-bezier);
        }

        @keyframes v-reveal {
            from {
                opacity: 0;
                transform: scale(0.99);
            }

            to {
                opacity: 1;
                transform: scale(1);
            }
        }

        .hidden {
            display: none;
        }

.magnetic {
    transition: transform 0.2s linear;
}

/* ===== Form Visual Polish (UI only) ===== */
.form-container.m-card-stack {
    background: rgba(255, 255, 255, 0.72);
    backdrop-filter: blur(24px) saturate(180%);
    -webkit-backdrop-filter: blur(24px) saturate(180%);
    border-radius: 32px;
    border: 1px solid rgba(255, 255, 255, 0.4);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.15), 0 0 0 1px rgba(255, 255, 255, 0.5) inset;
    overflow: hidden;
}

.form-header.m-card-top {
    background: rgba(255, 255, 255, 0.45);
    border-bottom: 1px solid rgba(0, 0, 0, 0.06);
    color: #002868;
    padding: 1.2rem 1rem;
}

.form-header.m-card-top h2 {
    color: #002868;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-size: 1.1rem;
    font-weight: 800;
    letter-spacing: -0.01em;
}

.progress-bar {
    height: 8px;
    border-radius: 999px;
    background: rgba(148, 163, 184, 0.22);
}

.progress-fill {
    background: linear-gradient(90deg, #002868, #0f4fb0);
}

.step {
    width: 32px;
    height: 32px;
    border-radius: 12px;
    background: rgba(241, 245, 249, 0.92);
    color: #64748b;
}

.step.active {
    background: #002868;
    color: #fff;
}

.step.completed {
    background: #0f766e;
    color: #fff;
}

.m-form-content {
    padding-top: 2rem;
}

.section-card {
    background: transparent;
    border: 0;
    border-radius: 0;
    box-shadow: none;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
    padding: 0;
    margin: 0 0 1.4rem;
}

.section-card + .section-card {
    border-top: 1px solid rgba(148, 163, 184, 0.24);
    padding-top: 1.25rem;
}

.section-title {
    color: #002868;
    font-family: 'Bricolage Grotesque', sans-serif;
    font-size: 1.2rem;
    font-weight: 800;
    letter-spacing: -0.01em;
    margin: 0 0 1rem;
}

.field,
.form-group {
    margin-bottom: 18px;
}

.field label,
.form-group label {
    display: block;
    margin-bottom: 7px;
    color: #0f172a;
    font-size: 0.95rem;
    font-weight: 600;
}

.inline-row {
    display: grid;
    grid-template-columns: minmax(140px, 185px) 1fr;
    gap: 10px;
}

.addable-row {
    gap: 8px;
    align-items: center;
    flex-wrap: nowrap;
}

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="date"],
input[type="number"],
input[type="url"],
select,
textarea {
    width: 100%;
    min-height: 58px;
    padding: 0.85rem 1rem;
    border-radius: 18px;
    border: 1px solid rgba(0, 0, 0, 0.08);
    background: rgba(255, 255, 255, 0.55);
    color: #002868;
    box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.015);
    transition: 0.3s cubic-bezier(0.2, 0.8, 0.2, 1);
}

textarea {
    min-height: 92px;
}

input::placeholder,
textarea::placeholder {
    color: #94a3b8;
}

input:hover,
select:hover,
textarea:hover {
    border-color: #cbd5e1;
}

input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: #007AFF;
    background: rgba(255, 255, 255, 0.9);
    box-shadow: 0 4px 12px rgba(0, 122, 255, 0.12);
}

@media (max-width: 860px) {
    .form-container.m-card-stack {
        border-radius: 24px;
    }

    .inline-row {
        grid-template-columns: 1fr;
    }
}

/* ===== Button Polish ===== */
.actions {
    display: flex;
    gap: 12px;
    align-items: center;
    justify-content: flex-end;
    margin-top: 18px;
}

.actions .btn-primary,
.actions .btn-secondary {
    min-height: 52px;
    border-radius: 14px;
    font-size: 0.96rem;
    font-weight: 700;
    letter-spacing: 0.01em;
    border: 1px solid transparent;
    padding: 0 22px;
    text-align: center;
    transition: transform 0.2s ease, box-shadow 0.25s ease, background-color 0.2s ease, border-color 0.2s ease;
}

.actions .btn-primary {
    background: linear-gradient(135deg, #002868, #0f4fb0);
    color: #fff;
    box-shadow: 0 14px 28px -18px rgba(0, 40, 104, 0.65);
}

.actions .btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: 0 18px 34px -16px rgba(0, 40, 104, 0.72);
}

.actions .btn-secondary {
    background: rgba(255, 255, 255, 0.78);
    color: #0f172a;
    border-color: rgba(148, 163, 184, 0.45);
    box-shadow: 0 10px 24px -20px rgba(15, 23, 42, 0.5);
}

.actions .btn-secondary:hover {
    background: rgba(255, 255, 255, 0.95);
    border-color: rgba(100, 116, 139, 0.55);
    transform: translateY(-1px);
}

.actions #nextBtn,
.actions #submitBtn {
    width: min(100%, 380px);
}

.btn-tertiary {
    border-radius: 12px;
    min-height: 36px;
    font-weight: 700;
}

.btn-primary.is-loading {
    position: relative;
    pointer-events: none;
    cursor: wait;
    min-width: 240px;
    color: rgba(255, 255, 255, 0.95);
    background: linear-gradient(135deg, #00348b, #1d63c5);
    overflow: hidden;
}

.btn-primary.is-loading::before {
    content: "";
    position: absolute;
    left: 14px;
    top: 50%;
    width: 16px;
    height: 16px;
    margin-top: -8px;
    border-radius: 999px;
    border: 2px solid rgba(255, 255, 255, 0.4);
    border-top-color: #fff;
    animation: spin 0.8s linear infinite;
}

.btn-primary.is-loading::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.12), transparent);
    transform: translateX(-120%);
    animation: btnSweep 1.4s ease-in-out infinite;
}

@keyframes btnSweep {
    100% {
        transform: translateX(120%);
    }
}

@media (max-width: 720px) {
    .actions {
        flex-direction: column;
    }

    .actions .btn-primary,
    .actions .btn-secondary {
        width: 100%;
    }

    .actions #nextBtn,
    .actions #submitBtn {
        width: 100%;
    }
}
    
/* Mobile polish for add/remove buttons */
.addable-row .add-row-btn,
.addable-row .remove-row-btn {
    align-self: center;
}

/* Yes/No and gender options on one line (mobile-friendly) */
.radio-row {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 16px;
    align-items: center;
}

.radio-row label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

/* Consistent select styling on mobile */
select {
    appearance: none;
    -webkit-appearance: none;
    -moz-appearance: none;
    background-image: linear-gradient(45deg, transparent 50%, #64748b 50%),
        linear-gradient(135deg, #64748b 50%, transparent 50%),
        linear-gradient(to right, transparent, transparent);
    background-position: calc(100% - 18px) calc(50% - 4px),
        calc(100% - 12px) calc(50% - 4px),
        calc(100% - 2.2rem) 50%;
    background-size: 6px 6px, 6px 6px, 1px 1.4rem;
    background-repeat: no-repeat;
    padding-right: 2.4rem;
}

@media (max-width: 720px) {
    .addable-row {
        flex-wrap: wrap;
    }

    .addable-group[data-addable="languagesSpoken"] .addable-row {
        flex-wrap: nowrap;
        align-items: center;
    }

    .addable-group[data-addable="languagesSpoken"] .addable-row select {
        flex: 1 1 auto;
        min-width: 0;
    }

    #part1 .section-title {
        font-size: 0;
        line-height: 0;
    }

    #part1 .section-title::after {
        content: "Eligibility Form";
        display: block;
        font-size: 1.1rem;
        line-height: 1.2;
        font-weight: 800;
        color: #002868;
        letter-spacing: -0.01em;
    }
}