/* ==========================================================================
   SmallBiz Ally · Loan Application Landing Page
   Palette: Orange #FF751F · Blue #3B6E98 · Yellow #DEB444 · Gray #EAEAEA · Lavender #EBE1FF
   Fonts: Poppins (display), Barlow (body)
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }

:root {
  --orange: #FF751F;
  --orange-deep: #E85F0C;
  --orange-soft: #FFE7D6;
  --blue: #3B6E98;
  --yellow: #DEB444;
  --gray-100: #FAF7F4;
  --gray-200: #EAEAEA;
  --gray-300: #D8D8D8;
  --gray-500: #7A7A7A;
  --gray-700: #3B3B3B;
  --ink: #1A1A1A;
  --lavender: #EBE1FF;
  --white: #FFFFFF;
  --success: #2C7A3E;
}

body {
  font-family: 'Barlow', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--gray-100);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  line-height: 1.15;
  color: var(--ink);
  margin: 0;
  letter-spacing: -0.02em;
}

.hidden { display: none !important; }

/* NAV */
.nav {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 16px 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.nav .brand img {
  height: 92px;
  width: auto;
}
.nav .support-email {
  font-size: 13.5px;
  color: var(--gray-500);
  font-weight: 500;
}
.nav .support-email a {
  color: var(--ink);
  font-weight: 600;
  border-bottom: 2px solid var(--orange);
}

/* HERO */
.hero {
  padding: 40px 32px 60px;
  min-height: calc(100vh - 62px);
  background: linear-gradient(180deg, var(--gray-100) 0%, var(--white) 100%);
}
.hero-inner {
  max-width: 1340px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 308px;
  gap: 40px;
  align-items: start;
}

/* Main form panel — fills the left column, no overlap */
.form-panel {
  max-width: none;
  margin: 0;
}

/* Trust column — sits in the right column, 308px wide */
.trust-panel {
  position: static;
  width: 100%;
}

/* FORM PANEL */
.form-panel {
  background: var(--white);
  border-radius: 14px;
  padding: 42px 44px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.06);
  border: 1px solid var(--gray-200);
}

/* PROGRESS */
.progress-bar {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 28px;
}
.progress-label {
  font-family: 'Poppins', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--orange);
  text-transform: uppercase;
  white-space: nowrap;
}
.progress-track {
  flex: 1;
  height: 6px;
  background: var(--gray-200);
  border-radius: 3px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  background: var(--orange);
  border-radius: 3px;
  transition: width 0.28s ease;
}

.form-header { margin-bottom: 30px; }
.eyebrow {
  font-size: 12px;
  font-weight: 600;
  color: var(--orange);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin: 0 0 12px 0;
}
.form-header h1 {
  font-size: clamp(28px, 3.6vw, 42px);
  margin: 0 0 14px 0;
}
.accent {
  color: var(--orange);
  font-style: italic;
}
.sub {
  font-size: 16.5px;
  color: var(--gray-700);
  margin: 0;
  max-width: 560px;
  line-height: 1.55;
}

/* STEPS */
.step {
  display: none;
  border: none;
  padding: 0;
  margin: 0;
  animation: fadein 0.25s ease;
}
.step.active { display: block; }
@keyframes fadein {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}
legend {
  font-family: 'Poppins', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--ink);
  margin: 0 0 8px 0;
  padding: 0;
}
.q-help {
  font-size: 14.5px;
  color: var(--gray-500);
  margin: 0 0 22px 0;
}

/* OPTION BUTTONS (radio) */
.option-grid {
  display: grid;
  gap: 12px;
  margin-bottom: 8px;
}
.grid-1 { grid-template-columns: 1fr; }
.grid-2 { grid-template-columns: 1fr 1fr; }
.option {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  border: 2px solid var(--gray-200);
  border-radius: 10px;
  cursor: pointer;
  background: var(--white);
  transition: all 0.15s;
}
.option:hover {
  border-color: var(--orange);
  background: var(--orange-soft);
}
.option input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.option:has(input:checked) {
  border-color: var(--orange);
  background: var(--orange-soft);
  box-shadow: 0 0 0 3px rgba(255, 117, 31, 0.12);
}
.opt-emoji {
  font-size: 22px;
  line-height: 1;
}
.opt-label {
  font-family: 'Poppins', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
}

/* TEXT INPUTS */
.input-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.input-row label {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.input-row label.full { grid-column: 1 / -1; }
.input-label {
  font-family: 'Poppins', sans-serif;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--gray-700);
  text-transform: uppercase;
}
.input-row input, .input-row select {
  padding: 12px 14px;
  border: 2px solid var(--gray-200);
  border-radius: 8px;
  font-size: 15px;
  color: var(--ink);
  background: var(--white);
  transition: border-color 0.15s;
  font-family: 'Barlow', sans-serif;
}
.input-row input:focus, .input-row select:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(255, 117, 31, 0.12);
}
.fine-print {
  font-size: 12.5px;
  color: var(--gray-500);
  margin: 14px 0 0;
  line-height: 1.5;
}

/* CONTROLS */
.form-controls {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 28px;
  padding-top: 22px;
  border-top: 1px solid var(--gray-200);
}
.btn {
  padding: 14px 26px;
  border-radius: 8px;
  font-family: 'Poppins', sans-serif;
  font-size: 14.5px;
  font-weight: 600;
  letter-spacing: 0.02em;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.15s;
  text-align: center;
  display: inline-block;
}
.btn-primary {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
}
.btn-primary:hover:not(:disabled) {
  background: var(--orange-deep);
  border-color: var(--orange-deep);
  transform: translateY(-1px);
}
.btn-secondary {
  background: var(--white);
  color: var(--ink);
  border-color: var(--gray-300);
}
.btn-secondary:hover:not(:disabled) {
  border-color: var(--ink);
}
.btn:disabled {
  opacity: 0.35;
  cursor: not-allowed;
}
.btn-small { padding: 10px 16px; font-size: 13px; }

/* SUCCESS STATE */
.success-state {
  text-align: center;
  padding: 60px 20px;
}
.success-icon {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  background: var(--success);
  color: var(--white);
  font-size: 36px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.success-state h2 {
  font-size: 32px;
  margin: 0 0 14px 0;
}
.success-state p {
  font-size: 17px;
  color: var(--gray-700);
  max-width: 460px;
  margin: 0 auto 8px;
}

/* TRUST PANEL */
/* Trust panel wraps its children — layout defined earlier as absolute-positioned */
.trust-panel > div, .trust-panel > ul {
  margin-bottom: 16px;
}
.trust-panel > *:last-child { margin-bottom: 0; }

/* "How it works" card — replaces the advisor card */
.how-it-works-card {
  background: var(--white);
  border-radius: 12px;
  padding: 20px 22px;
  border: 1px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0,0,0,0.04);
}
.section-eyebrow {
  font-family: 'Poppins', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--orange);
  margin: 0 0 14px 0;
}
.hiw-step {
  display: grid;
  grid-template-columns: 36px 1fr;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--gray-200);
  align-items: start;
}
.hiw-step:last-of-type { border-bottom: none; }
.hiw-num {
  font-family: 'Poppins', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--orange);
  line-height: 1;
  letter-spacing: -0.02em;
}
.hiw-title {
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  margin: 0 0 3px 0;
  line-height: 1.3;
}
.hiw-desc {
  font-size: 12.5px;
  color: var(--gray-500);
  margin: 0;
  line-height: 1.4;
}
.hiw-note {
  margin: 14px 0 0;
  padding: 10px 12px;
  background: var(--orange-soft);
  border-radius: 8px;
  font-size: 11.5px;
  color: var(--orange-deep);
  font-weight: 600;
  text-align: center;
  line-height: 1.35;
}

/* Legacy advisor card styles (kept in case) */
.advisor-card {
  background: var(--white);
  border-radius: 12px;
  padding: 20px;
  border: 1px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0,0,0,0.04);
  text-align: center;
}
.advisor-photo {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--lavender);
  color: var(--blue);
  font-family: 'Poppins', sans-serif;
  font-size: 24px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 10px;
  position: relative;
}
.online-dot {
  position: absolute;
  bottom: 3px;
  right: 3px;
  width: 15px;
  height: 15px;
  background: #2c7a3e;
  border: 2px solid var(--white);
  border-radius: 50%;
}
.advisor-name {
  font-family: 'Poppins', sans-serif;
  font-size: 18px;
  font-weight: 700;
  margin: 0 0 3px;
}
.advisor-title {
  font-size: 14px;
  color: var(--gray-500);
  margin: 0 0 7px;
  line-height: 1.4;
}
.advisor-status {
  font-size: 13px;
  color: var(--success);
  font-weight: 600;
  margin: 0 0 13px;
}
.advisor-status .dot {
  display: inline-block;
  width: 8px;
  height: 8px;
  background: var(--success);
  border-radius: 50%;
  margin-right: 6px;
  vertical-align: middle;
}
.advisor-card .btn { width: 100%; margin-bottom: 7px; padding: 12px 20px; font-size: 14.5px; }
.phone-link {
  display: block;
  font-size: 13px;
  color: var(--gray-500);
  font-weight: 500;
}

.rating-badge {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 14px;
  text-align: center;
}
.stars {
  color: var(--yellow);
  font-size: 21px;
  letter-spacing: 2px;
  margin-bottom: 3px;
}
.rating-value {
  font-family: 'Poppins', sans-serif;
  font-size: 25px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
  margin-bottom: 3px;
}
.rating-count {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.35;
}

.testimonial {
  background: var(--orange-soft);
  border-radius: 12px;
  padding: 17px 20px;
  position: relative;
}
.quote-mark {
  font-family: 'Poppins', serif;
  font-size: 45px;
  color: var(--orange);
  line-height: 0.5;
  margin: -4px 0 -12px;
  opacity: 0.6;
}
.testimonial blockquote {
  margin: 0 0 11px;
  font-size: 15.5px;
  line-height: 1.5;
  color: var(--gray-700);
  font-style: italic;
}
.testimonial-attr {
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-size: 13.5px;
}
.testimonial-attr strong {
  color: var(--ink);
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
}
.testimonial-attr span {
  color: var(--gray-500);
}

.trust-list {
  list-style: none;
  margin: 0;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 12px 17px;
}
.trust-list li {
  padding: 6px 0;
  font-size: 14px;
  color: var(--gray-700);
  border-bottom: 1px solid var(--gray-200);
  line-height: 1.45;
}
.trust-list li:last-child { border-bottom: none; }

/* THANK-YOU PAGE */
.ty-page {
  min-height: calc(100vh - 130px);
  padding: 60px 32px 100px;
  background: linear-gradient(180deg, var(--gray-100) 0%, var(--white) 100%);
  display: flex;
  justify-content: center;
}
.ty-inner {
  max-width: 640px;
  width: 100%;
  background: var(--white);
  border-radius: 14px;
  padding: 56px 52px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.06);
  border: 1px solid var(--gray-200);
  text-align: center;
}
.ty-check {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--success);
  color: var(--white);
  font-size: 38px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.ty-eyebrow {
  font-family: 'Poppins', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  color: var(--orange);
  text-transform: uppercase;
  margin: 0 0 14px 0;
}
.ty-title {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(32px, 5vw, 46px);
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin: 0 0 22px 0;
}
.ty-lead {
  font-size: 17.5px;
  color: var(--gray-700);
  margin: 0 0 32px 0;
  line-height: 1.55;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}
.ty-lead strong { color: var(--ink); }

.ty-ref-block {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  padding: 14px 28px;
  background: var(--orange-soft);
  border: 1px dashed var(--orange);
  border-radius: 10px;
  margin: 0 auto 40px;
}
.ty-ref-label {
  font-family: 'Poppins', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--orange-deep);
}
.ty-ref-value {
  font-family: 'Poppins', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: 0.02em;
}

.ty-timeline {
  text-align: left;
  margin: 0 auto 32px;
  max-width: 460px;
  padding: 24px 22px;
  background: var(--gray-100);
  border-radius: 10px;
}
.ty-step {
  display: grid;
  grid-template-columns: 32px 1fr;
  gap: 14px;
  padding: 12px 0;
  align-items: start;
}
.ty-step-dot {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid var(--gray-300);
  margin-top: 2px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
}
.ty-step-dot.filled {
  background: var(--success);
  border-color: var(--success);
}
.ty-step-dot.active {
  background: var(--orange);
  border-color: var(--orange);
  box-shadow: 0 0 0 4px var(--orange-soft);
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 4px var(--orange-soft); }
  50% { box-shadow: 0 0 0 8px rgba(255, 117, 31, 0.14); }
}
.ty-step-title {
  font-family: 'Poppins', sans-serif;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--ink);
  margin: 0 0 2px;
  line-height: 1.35;
}
.ty-step-desc {
  font-size: 13px;
  color: var(--gray-500);
  margin: 0;
  line-height: 1.4;
}

.ty-note {
  font-size: 15px;
  color: var(--gray-700);
  margin: 0 auto 28px;
  padding: 14px 20px;
  background: var(--lavender);
  border-radius: 8px;
  font-weight: 500;
  max-width: 460px;
}
.ty-help {
  border-top: 1px solid var(--gray-200);
  padding-top: 24px;
  margin-top: 8px;
}
.ty-help p {
  font-size: 13.5px;
  color: var(--gray-500);
  margin: 0 0 20px;
  line-height: 1.55;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}
.ty-help a {
  color: var(--orange-deep);
  font-weight: 600;
  border-bottom: 1px solid var(--orange);
}
.ty-return {
  display: inline-block;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-500);
  padding-bottom: 3px;
  border-bottom: 1px solid var(--gray-300);
}
.ty-return:hover {
  color: var(--orange);
  border-color: var(--orange);
}

@media (max-width: 640px) {
  .ty-inner { padding: 40px 26px; }
}

/* FOOTER */
.footer {
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  padding: 40px 32px;
  margin-top: 40px;
}
.footer-inner {
  max-width: 1250px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 16px;
}
.footer-brand img {
  height: 26px;
}
.footer-brand p {
  font-size: 13px;
  color: var(--gray-500);
  margin: 0;
}
.footer-links {
  display: flex;
  gap: 22px;
  font-size: 13px;
  font-weight: 500;
  color: var(--gray-500);
}
.footer-links a:hover { color: var(--orange); }
.copyright {
  grid-column: 1 / -1;
  font-size: 12px;
  color: var(--gray-500);
  border-top: 1px solid var(--gray-200);
  padding-top: 20px;
  margin: 0;
}

/* RESPONSIVE */
@media (max-width: 1100px) {
  .hero-inner { max-width: 100%; }
  .form-panel { max-width: none; margin: 0; padding: 26px 22px; }
  .trust-panel {
    position: static;
    width: auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 28px;
  }
  .trust-panel > div, .trust-panel > ul { margin-bottom: 0; }
  .form-header h1 { font-size: 26px; }
  .grid-2 { grid-template-columns: 1fr; }
  .input-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; text-align: center; }
  .footer-brand { justify-content: center; }
  .footer-links { justify-content: center; }
}
@media (max-width: 640px) {
  .nav .brand img { height: 60px; }
  .trust-panel { grid-template-columns: 1fr; }
}