/* =========================================================
   EASY AUTO — shared design system
   White + light blue, "easy on eyes" per brand direction.
   ========================================================= */
:root{
  --white:#FFFFFF;
  --sky:#EEF6FF;
  --sky-2:#DEEEFF;
  --sky-3:#C7E3FF;
  --blue:#2F6FE4;
  --blue-hover:#2559C4;
  --blue-deep:#123B8F;
  --ink:#0F2033;
  --slate:#57697C;
  --slate-dim:#8B99A8;
  --green:#1FA968;
  --green-dim:#E7F7EF;
  --amber:#E8A23A;
  --amber-dim:#FCF1E1;
  --red:#E15C5C;
  --red-dim:#FCEAEA;
  --line: rgba(15,32,51,0.09);
  --line-strong: rgba(15,32,51,0.16);
  --shadow-soft: 0 20px 50px rgba(47,111,228,0.10);
  --shadow-card: 0 2px 10px rgba(15,32,51,0.05);
  --display:'Fraunces', serif;
  --body:'Manrope', sans-serif;
  --mono:'IBM Plex Mono', monospace;
  --radius:16px;
}
*{ box-sizing:border-box; margin:0; padding:0; }
html{ scroll-behavior:smooth; }
body{
  background:var(--white);
  color:var(--ink);
  font-family:var(--body);
  line-height:1.55;
}
::selection{ background:var(--blue); color:#fff; }
a{ color:inherit; text-decoration:none; }
button{ font-family:inherit; cursor:pointer; }
img{ max-width:100%; display:block; }
:focus-visible{ outline:2px solid var(--blue); outline-offset:3px; }

.wrap{ max-width:1180px; margin:0 auto; padding:0 24px; }

/* background ambience */
.glow-field{
  position:fixed; inset:0; z-index:0; pointer-events:none;
  background:
    radial-gradient(650px 420px at 10% -8%, rgba(47,111,228,0.08), transparent 60%),
    radial-gradient(700px 460px at 105% 10%, rgba(199,227,255,0.55), transparent 60%);
}
main, header, footer{ position:relative; z-index:1; }

/* ---------- NAV ---------- */
header{
  position:sticky; top:0; z-index:50;
  background:rgba(255,255,255,0.85);
  backdrop-filter: blur(14px) saturate(140%);
  border-bottom:1px solid var(--line);
}
nav{ display:flex; align-items:center; justify-content:space-between; padding:16px 24px; max-width:1180px; margin:0 auto; }
.logo{ display:flex; align-items:center; gap:10px; }
.site-logo{ height:36px; width:auto; display:block; }
.site-logo-footer{ height:30px; }
@media (max-width:480px){ .site-logo{ height:28px; } }
.logo-mark{
  width:34px; height:34px; border-radius:10px;
  background:linear-gradient(135deg, var(--blue), var(--blue-deep));
  display:flex; align-items:center; justify-content:center;
  font-family:var(--display); font-weight:700; font-size:15px; color:#fff;
  box-shadow:0 8px 18px rgba(47,111,228,0.28);
  overflow:hidden;
}
.logo-mark img{ width:100%; height:100%; object-fit:cover; }
.logo-mark .fallback-letters{ display:none; }
.logo-mark.img-missing .fallback-letters{ display:flex; width:100%; height:100%; align-items:center; justify-content:center; }
.logo-text{ font-family:var(--display); font-weight:600; font-size:18px; letter-spacing:0; color:var(--ink); }
.logo-sub{ display:block; font-family:var(--mono); font-size:10px; letter-spacing:0.13em; color:var(--slate-dim); text-transform:uppercase; margin-top:1px; }
.nav-links{ display:flex; align-items:center; gap:32px; }
.nav-links a{ font-size:14px; color:var(--slate); font-weight:600; transition:color .2s; }
.nav-links a:hover{ color:var(--blue); }
.btn{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--body); font-weight:700; font-size:14.5px;
  padding:12px 22px; border-radius:999px; border:none;
  transition:transform .18s ease, box-shadow .18s ease, background .18s;
  touch-action:manipulation; min-height:44px;
}
.btn:active{ transform:scale(0.97); }
.btn-primary{
  background:linear-gradient(135deg, var(--blue), var(--blue-deep));
  color:#fff;
  box-shadow:0 10px 26px rgba(47,111,228,0.32);
}
.btn-primary:hover{ transform:translateY(-2px); box-shadow:0 14px 32px rgba(47,111,228,0.42); }
.btn-ghost{ background:var(--sky); color:var(--blue-deep); border:1px solid var(--sky-3); }
.btn-ghost:hover{ background:var(--sky-2); }
.nav-cta{ display:flex; align-items:center; gap:14px; }
.hamburger{ display:none; width:44px; height:44px; border-radius:9px; border:1px solid var(--line-strong); background:var(--sky); align-items:center; justify-content:center; touch-action:manipulation; }
.hamburger span, .hamburger span::before, .hamburger span::after{ content:''; display:block; width:16px; height:2px; background:var(--ink); position:relative; }
.hamburger span::before{ position:absolute; top:-5px; }
.hamburger span::after{ position:absolute; top:5px; }

/* ---------- HERO ---------- */
.hero{ padding:72px 0 40px; }
.hero-grid{ display:grid; grid-template-columns:1.05fr 0.95fr; gap:56px; align-items:center; }
.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--mono); font-size:12px; letter-spacing:0.08em; text-transform:uppercase;
  color:var(--blue-deep); background:var(--sky); border:1px solid var(--sky-3);
  padding:6px 12px; border-radius:999px; margin-bottom:22px;
}
.eyebrow .dot{ width:6px; height:6px; border-radius:50%; background:var(--green); box-shadow:0 0 8px rgba(31,169,104,0.5); animation:pulse 1.8s infinite; }
@keyframes pulse{ 0%,100%{opacity:1;} 50%{opacity:.35;} }
h1{ font-family:var(--display); font-weight:600; font-size:clamp(2.3rem, 4.8vw, 3.6rem); line-height:1.08; letter-spacing:-0.005em; margin-bottom:20px; color:var(--ink); }
h1 .accent{ color:var(--blue); }
h1 .strike{ color:var(--slate-dim); }
.hero p.lead{ font-size:18px; color:var(--slate); max-width:520px; margin-bottom:32px; }
.hero-actions{ display:flex; align-items:center; gap:16px; flex-wrap:wrap; margin-bottom:38px; }
.btn-lg{ padding:16px 30px; font-size:16px; }
.reassure{ font-size:13px; color:var(--slate-dim); display:flex; align-items:center; gap:8px; }
.stat-row{ display:flex; gap:36px; flex-wrap:wrap; }
.stat-num{ font-family:var(--mono); font-weight:600; font-size:26px; color:var(--ink); }
.stat-label{ font-size:12.5px; color:var(--slate-dim); margin-top:2px; }

/* --- gauge card --- */
.gauge-card{
  background:linear-gradient(180deg, #fff, var(--sky));
  border:1px solid var(--sky-3); border-radius:22px;
  padding:28px 28px 24px; position:relative; overflow:hidden;
  box-shadow:var(--shadow-soft);
}
.gauge-top{ display:flex; justify-content:space-between; align-items:center; margin-bottom:6px; }
.gauge-title{ font-family:var(--mono); font-size:11.5px; letter-spacing:0.08em; text-transform:uppercase; color:var(--slate-dim); }
.gauge-live{ display:flex; align-items:center; gap:6px; font-family:var(--mono); font-size:10.5px; color:var(--green); }
.gauge-live .dot{ width:6px; height:6px; border-radius:50%; background:var(--green); box-shadow:0 0 8px rgba(31,169,104,0.5); animation:pulse 1.5s infinite; }
.gauge-wrap{ position:relative; width:100%; max-width:340px; margin:8px auto 4px; display:grid; }
.gauge-wrap > svg{ grid-area:1/1; }
.gauge-readout{ grid-area:1/1; align-self:center; margin-top:-8px; text-align:center; position:relative; z-index:2; pointer-events:none; }
.gauge-readout .num{ font-family:var(--mono); font-weight:600; font-size:38px; line-height:1.1; letter-spacing:-0.01em; color:var(--ink); }
.gauge-readout .num .pct{ font-size:20px; color:var(--slate); }
.gauge-cap{ text-align:center; font-family:var(--mono); font-size:11px; text-transform:uppercase; letter-spacing:0.1em; color:var(--slate-dim); margin-top:2px; }
.gauge-legend{ display:flex; justify-content:space-between; margin-top:18px; padding-top:16px; border-top:1px solid var(--line); }
.legend-item{ text-align:center; flex:1; }
.legend-item .v{ font-family:var(--mono); font-size:15px; font-weight:600; }
.legend-item .l{ font-size:11px; color:var(--slate-dim); margin-top:2px; }
.legend-item + .legend-item{ border-left:1px solid var(--line); }

/* ---------- MARQUEE ---------- */
.marquee-section{ border-top:1px solid var(--line); border-bottom:1px solid var(--line); background:var(--sky); overflow:hidden; padding:18px 0; }
.marquee-track{ display:flex; gap:60px; white-space:nowrap; animation:scroll 26s linear infinite; width:max-content; }
.marquee-section:hover .marquee-track{ animation-play-state:paused; }
@keyframes scroll{ from{ transform:translateX(0);} to{ transform:translateX(-50%);} }
.marquee-item{ font-family:var(--mono); font-size:13px; color:var(--blue-deep); letter-spacing:0.04em; text-transform:uppercase; display:flex; align-items:center; gap:10px; }

/* ---------- SECTION SHARED ---------- */
section{ padding:100px 0; position:relative; }
.section-head{ max-width:640px; margin-bottom:60px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.kicker{ font-family:var(--mono); font-size:12px; letter-spacing:0.12em; text-transform:uppercase; color:var(--blue); margin-bottom:14px; }
h2{ font-family:var(--display); font-weight:700; font-size:clamp(1.85rem, 3.2vw, 2.5rem); line-height:1.16; margin-bottom:16px; color:var(--ink); }
.section-head p{ color:var(--slate); font-size:16.5px; }
.section-alt{ background:var(--sky); }

.reveal{ opacity:0; transform:translateY(28px); transition:opacity .7s ease, transform .7s ease; }
.reveal.in{ opacity:1; transform:none; }

/* ---------- STEP CARDS ---------- */
.steps{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.step-card{ background:#fff; border:1px solid var(--line); border-radius:var(--radius); padding:30px 26px; position:relative; transition:transform .25s ease, box-shadow .25s ease; box-shadow:var(--shadow-card); }
.step-card:hover{ transform:translateY(-6px); box-shadow:0 16px 34px rgba(47,111,228,0.14); }
.step-num{ font-family:var(--mono); font-size:13px; color:#fff; background:linear-gradient(135deg, var(--blue), var(--blue-deep)); width:34px; height:34px; border-radius:10px; display:flex; align-items:center; justify-content:center; font-weight:700; margin-bottom:20px; }
.step-card h3{ font-family:var(--display); font-size:19px; font-weight:600; margin-bottom:10px; }
.step-card p{ color:var(--slate); font-size:14.5px; }
.step-connector{ position:absolute; top:34px; left:-24px; width:24px; height:1px; background:var(--line-strong); }

/* ---------- AI CONSOLE ---------- */
.ai-grid{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.console{ background:var(--ink); border-radius:16px; overflow:hidden; box-shadow:0 30px 70px rgba(15,32,51,0.25); }
.console-bar{ display:flex; align-items:center; gap:8px; padding:12px 16px; border-bottom:1px solid rgba(255,255,255,0.08); }
.console-bar span{ width:10px; height:10px; border-radius:50%; }
.console-bar span:nth-child(1){ background:#E85C5C; }
.console-bar span:nth-child(2){ background:#E8A23A; }
.console-bar span:nth-child(3){ background:#1FA968; }
.console-title{ margin-left:8px; font-family:var(--mono); font-size:11.5px; color:rgba(255,255,255,0.45); }
.console-body{ padding:20px 20px 24px; font-family:var(--mono); font-size:13px; min-height:280px; }
.console-line{ display:flex; gap:10px; margin-bottom:11px; opacity:0; animation:typeIn .5s forwards; color:rgba(255,255,255,0.65); }
.console-line .tag{ color:#7FB4FF; flex-shrink:0; }
.console-line .ok{ color:#5CE0A0; }
@keyframes typeIn{ to{ opacity:1; } }
.console-cursor{ display:inline-block; width:7px; height:14px; background:#7FB4FF; margin-left:4px; animation:blink 1s step-end infinite; vertical-align:middle; }
@keyframes blink{ 50%{ opacity:0; } }
.feature-list{ display:flex; flex-direction:column; gap:26px; margin-top:32px; }
.feature{ display:flex; gap:16px; }
.feature-icon{ width:42px; height:42px; border-radius:12px; flex-shrink:0; background:var(--sky); border:1px solid var(--sky-3); display:flex; align-items:center; justify-content:center; }
.feature h4{ font-family:var(--display); font-size:16px; font-weight:600; margin-bottom:4px; }
.feature p{ color:var(--slate); font-size:14px; }

/* ---------- CREDIT BUILD ---------- */
.credit-grid{ display:grid; grid-template-columns:0.95fr 1.05fr; gap:60px; align-items:center; }
.chart-card{ background:#fff; border:1px solid var(--line); border-radius:18px; padding:28px; box-shadow:var(--shadow-card); }
.chart-top{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:22px; }
.chart-top .label{ font-family:var(--mono); font-size:11px; text-transform:uppercase; letter-spacing:.08em; color:var(--slate-dim); }
.chart-top .score{ font-family:var(--mono); font-size:30px; font-weight:600; color:var(--green); }
.chart-svg{ width:100%; height:auto; display:block; }
.chart-legend{ display:flex; gap:20px; margin-top:18px; font-size:12.5px; color:var(--slate-dim); }
.chart-legend span{ display:inline-flex; align-items:center; gap:6px; }
.chart-legend i{ width:10px; height:10px; border-radius:3px; display:inline-block; }
.credit-list{ list-style:none; margin-top:26px; display:flex; flex-direction:column; gap:16px; }
.credit-list li{ display:flex; gap:12px; font-size:15px; color:var(--slate); }
.credit-list li b{ color:var(--ink); }
.check{ flex-shrink:0; width:20px; height:20px; border-radius:6px; background:var(--green-dim); border:1px solid rgba(31,169,104,0.3); display:flex; align-items:center; justify-content:center; margin-top:2px; color:var(--green); font-size:12px; font-weight:700; }

/* ---------- GALLERY (see .gallery-card system further down) ---------- */

/* ---------- TESTIMONIALS ---------- */
.testimonial-row{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.t-card{ background:#fff; border:1px solid var(--line); border-radius:var(--radius); padding:28px 24px; display:flex; flex-direction:column; gap:18px; box-shadow:var(--shadow-card); }
.t-stars{ color:var(--amber); font-size:14px; letter-spacing:2px; }
.t-quote{ font-size:14.5px; color:var(--ink); line-height:1.6; flex-grow:1; }
.t-person{ display:flex; align-items:center; gap:12px; padding-top:14px; border-top:1px solid var(--line); }
.t-avatar{ width:38px; height:38px; border-radius:50%; background:linear-gradient(135deg, var(--blue), var(--blue-deep)); display:flex; align-items:center; justify-content:center; font-family:var(--display); font-weight:700; font-size:14px; color:#fff; }
.t-name{ font-size:13.5px; font-weight:700; }
.t-meta{ font-size:12px; color:var(--slate-dim); }
.sample-note{ margin-top:20px; font-size:12px; color:var(--slate-dim); text-align:center; }

/* ---------- LENDER NETWORK ---------- */
.lender-band{ text-align:center; }
.lender-badge{ display:inline-flex; align-items:center; gap:10px; background:#fff; border:1px solid var(--line); padding:10px 20px; border-radius:999px; font-family:var(--mono); font-size:12.5px; color:var(--slate); margin-bottom:34px; box-shadow:var(--shadow-card); }
.lender-badge b{ color:var(--ink); }
.lender-grid{ display:flex; flex-wrap:wrap; justify-content:center; gap:14px; }
.lender-chip{ padding:10px 20px; border:1px solid var(--line); border-radius:10px; font-size:13.5px; color:var(--slate); background:#fff; }

/* ---------- BLOG ---------- */
.blog-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
.blog-card{ background:#fff; border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow-card); transition:transform .25s ease, box-shadow .25s ease; display:flex; flex-direction:column; }
.blog-card:hover{ transform:translateY(-6px); box-shadow:0 16px 34px rgba(47,111,228,0.14); }
.blog-card .thumb{ height:170px; background:linear-gradient(135deg, var(--sky), var(--sky-3)); display:flex; align-items:center; justify-content:center; font-family:var(--mono); font-size:11px; color:var(--blue-deep); opacity:0.7; }
.blog-card .body{ padding:22px; flex-grow:1; display:flex; flex-direction:column; }
.blog-tag{ font-family:var(--mono); font-size:10.5px; text-transform:uppercase; letter-spacing:.08em; color:var(--blue); margin-bottom:10px; }
.blog-card h3{ font-family:var(--display); font-size:17px; font-weight:600; margin-bottom:8px; }
.blog-card p{ color:var(--slate); font-size:13.5px; flex-grow:1; }
.blog-meta{ margin-top:16px; font-size:12px; color:var(--slate-dim); display:flex; justify-content:space-between; }
.blog-hero{ background:var(--sky); padding:60px 0 50px; }
.article{ max-width:720px; margin:0 auto; padding:60px 24px 100px; }
.article h1{ font-size:clamp(1.9rem,4vw,2.6rem); }
.article .meta{ font-family:var(--mono); font-size:12.5px; color:var(--slate-dim); margin-bottom:30px; }
.article p{ color:var(--slate); font-size:16.5px; margin-bottom:22px; }
.article h2{ margin-top:40px; }
.article ul{ color:var(--slate); font-size:16px; margin:0 0 22px 22px; }
.article ul li{ margin-bottom:8px; }
.article-cta{ background:var(--sky); border:1px solid var(--sky-3); border-radius:18px; padding:30px; text-align:center; margin-top:50px; }

/* ---------- FINAL CTA ---------- */
.final-cta{ background:linear-gradient(160deg, var(--sky), #fff); border:1px solid var(--sky-3); border-radius:26px; padding:70px 50px; text-align:center; position:relative; overflow:hidden; margin:0 24px; box-shadow:var(--shadow-soft); }
.final-cta p{ color:var(--slate); font-size:17px; max-width:480px; margin:0 auto 34px; }

footer{ padding:60px 0 40px; border-top:1px solid var(--line); margin-top:80px; }
.foot-grid{ display:flex; justify-content:space-between; align-items:flex-start; flex-wrap:wrap; gap:30px; }
.foot-brand p{ color:var(--slate-dim); font-size:13px; max-width:280px; margin-top:12px; }
.foot-links{ display:flex; gap:60px; flex-wrap:wrap; }
.foot-col h5{ font-family:var(--mono); font-size:11px; text-transform:uppercase; letter-spacing:.08em; color:var(--slate-dim); margin-bottom:14px; }
.foot-col a{ display:block; font-size:13.5px; color:var(--slate); margin-bottom:10px; }
.foot-col a:hover{ color:var(--blue); }
.foot-bottom{ margin-top:50px; padding-top:24px; border-top:1px solid var(--line); display:flex; justify-content:space-between; font-size:12px; color:var(--slate-dim); flex-wrap:wrap; gap:10px; }

/* ---------- CONVERSATIONAL CHAT (shared: modal + standalone) ---------- */
.modal-overlay{ position:fixed; inset:0; z-index:200; background:rgba(15,32,51,0.35); backdrop-filter:blur(6px); display:flex; align-items:center; justify-content:center; padding:20px; opacity:0; pointer-events:none; transition:opacity .25s ease; }
.modal-overlay.open{ opacity:1; pointer-events:auto; }
.chat-modal{ width:100%; max-width:480px; height:min(680px, 88vh); background:#fff; border:1px solid var(--line-strong); border-radius:24px; display:flex; flex-direction:column; overflow:hidden; box-shadow:0 40px 100px rgba(15,32,51,0.28); transform:translateY(24px) scale(0.98); transition:transform .3s ease; }
.modal-overlay.open .chat-modal{ transform:none; }
.chat-modal.standalone{ margin:0 auto; box-shadow:0 30px 70px rgba(47,111,228,0.16); }
.chat-head{ display:flex; align-items:center; gap:12px; padding:18px 20px; border-bottom:1px solid var(--line); flex-shrink:0; background:var(--sky); }
.chat-avatar{ width:38px; height:38px; border-radius:12px; background:linear-gradient(135deg, var(--blue), var(--blue-deep)); display:flex; align-items:center; justify-content:center; font-family:var(--display); font-weight:700; color:#fff; font-size:14px; flex-shrink:0; }
.chat-head-text{ flex-grow:1; }
.chat-head-text .name{ font-family:var(--display); font-weight:700; font-size:14.5px; color:var(--ink); }
.chat-head-text .status{ font-size:11.5px; color:var(--green); display:flex; align-items:center; gap:5px; }
.chat-head-text .status .dot{ width:6px; height:6px; border-radius:50%; background:var(--green); }
.chat-close{ width:32px; height:32px; border-radius:10px; border:1px solid var(--line-strong); background:#fff; color:var(--slate); display:flex; align-items:center; justify-content:center; font-size:16px; flex-shrink:0; }
.chat-close:hover{ background:var(--sky-2); color:var(--ink); }
.chat-progress{ height:3px; background:var(--sky); flex-shrink:0; }
.chat-progress-bar{ height:100%; background:linear-gradient(90deg, var(--blue), var(--green)); width:0%; transition:width .4s ease; }
.chat-body{ flex-grow:1; overflow-y:auto; padding:22px 20px; display:flex; flex-direction:column; gap:14px; background:#fff; }
.chat-body::-webkit-scrollbar{ width:6px; }
.chat-body::-webkit-scrollbar-thumb{ background:var(--sky-3); border-radius:3px; }
.bubble{ max-width:82%; padding:12px 16px; border-radius:16px; font-size:14.5px; line-height:1.5; opacity:0; animation:bubbleIn .35s forwards; }
@keyframes bubbleIn{ from{ opacity:0; transform:translateY(8px);} to{ opacity:1; transform:none;} }
.bubble.bot{ align-self:flex-start; background:var(--sky); border-bottom-left-radius:5px; color:var(--ink); }
.bubble.user{ align-self:flex-end; background:linear-gradient(135deg, var(--blue), var(--blue-deep)); color:#fff; font-weight:600; border-bottom-right-radius:5px; }
.typing{ align-self:flex-start; display:flex; gap:5px; padding:14px 16px; background:var(--sky); border-radius:16px; border-bottom-left-radius:5px; }
.typing span{ width:6px; height:6px; border-radius:50%; background:var(--slate-dim); animation:typingDot 1.1s infinite ease-in-out; }
.typing span:nth-child(2){ animation-delay:.15s; } .typing span:nth-child(3){ animation-delay:.3s; }
@keyframes typingDot{ 0%,60%,100%{ transform:translateY(0); opacity:.5;} 30%{ transform:translateY(-4px); opacity:1;} }
.chat-input-area{ border-top:1px solid var(--line); padding:16px 18px 18px; flex-shrink:0; background:#fff; }
.chip-row{ display:flex; flex-wrap:wrap; gap:8px; margin-bottom:10px; }
.chip{ padding:12px 16px; border-radius:12px; border:1px solid var(--sky-3); background:var(--sky); color:var(--blue-deep); font-size:13.5px; font-weight:600; transition:.15s; touch-action:manipulation; min-height:44px; }
.chip:hover{ border-color:var(--blue); background:var(--sky-2); }
.text-input-row{ display:flex; gap:10px; }
.text-input-row input{ flex-grow:1; background:var(--sky); border:1px solid var(--sky-3); border-radius:12px; padding:13px 16px; color:var(--ink); font-family:var(--body); font-size:16px; }
.text-input-row input::placeholder{ color:var(--slate-dim); }
.send-btn{ width:46px; height:46px; border-radius:12px; border:none; flex-shrink:0; background:linear-gradient(135deg, var(--blue), var(--blue-deep)); color:#fff; display:flex; align-items:center; justify-content:center; touch-action:manipulation; }
.input-error{ font-size:12px; color:var(--red); margin-top:6px; display:none; }
.success-screen{ padding:30px 24px; text-align:center; }
.success-gauge{ width:220px; margin:0 auto 10px; }
.success-screen h3{ font-family:var(--display); font-size:22px; margin:14px 0 8px; color:var(--ink); }
.success-screen p{ color:var(--slate); font-size:14.5px; margin-bottom:22px; }
.success-stat-row{ display:flex; gap:10px; justify-content:center; margin-bottom:24px; }
.success-stat{ background:var(--sky); border:1px solid var(--sky-3); border-radius:10px; padding:12px 16px; flex:1; }
.success-stat .v{ font-family:var(--mono); font-weight:700; font-size:17px; color:var(--green); }
.success-stat .l{ font-size:10.5px; color:var(--slate-dim); text-transform:uppercase; letter-spacing:.05em; margin-top:2px; }

/* standalone apply page wrapper */
.apply-page-wrap{ min-height:calc(100vh - 74px); display:flex; align-items:center; justify-content:center; padding:40px 20px; background:linear-gradient(180deg, var(--sky), #fff 60%); }
.apply-page-inner{ width:100%; max-width:480px; }
.apply-trust{ display:flex; justify-content:center; gap:22px; margin-top:22px; flex-wrap:wrap; }
.apply-trust span{ font-size:12px; color:var(--slate-dim); display:flex; align-items:center; gap:6px; }

/* ---------- RESPONSIVE ---------- */
@media (max-width:900px){
  .nav-links{ display:none; }
  .hamburger{ display:flex; }
  .nav-cta .btn-primary{ padding:10px 16px; font-size:13px; white-space:nowrap; }
  .hero-grid, .ai-grid, .credit-grid{ grid-template-columns:1fr; }
  .steps, .testimonial-row, .blog-grid{ grid-template-columns:1fr; }
  .gallery-grid{ grid-template-columns:repeat(2,1fr); }
  .step-connector{ display:none; }
  section{ padding:64px 0; }
  .final-cta{ padding:50px 26px; margin:0 16px; }
  .foot-links{ gap:36px; }
}
@media (max-width:480px){
  .logo-sub{ display:none; }
  .nav-cta{ gap:8px; }
}
@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.01ms !important; animation-iteration-count:1 !important; transition-duration:0.01ms !important; scroll-behavior:auto !important; }
}

/* ---------- ACCESSIBILITY UTILITIES ---------- */
.sr-only{ position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; border:0; }
.skip-link{ position:absolute; left:-999px; top:0; background:var(--blue); color:#fff; padding:10px 18px; border-radius:0 0 10px 0; z-index:999; font-weight:700; font-size:13px; }
.skip-link:focus{ left:0; }

/* ---------- BACK TO PRIME TIER TRACK ---------- */
.tier-track-card{ background:#fff; border:1px solid var(--line); border-radius:18px; padding:30px 28px; box-shadow:var(--shadow-card); }
.tier-track{ position:relative; padding:34px 0 10px; }
.tier-track .track-line{ position:absolute; top:50px; left:0; right:0; height:6px; background:var(--sky-2); border-radius:99px; }
.tier-track .track-fill{ position:absolute; top:50px; left:0; height:6px; background:linear-gradient(90deg, var(--red), var(--amber), var(--green)); border-radius:99px; width:0%; transition:width 1.6s cubic-bezier(.2,.8,.2,1); }
.tier-stops{ display:flex; justify-content:space-between; position:relative; z-index:2; }
.tier-stop{ text-align:center; flex:1; }
.tier-dot{ width:18px; height:18px; border-radius:50%; background:#fff; border:3px solid var(--sky-3); margin:0 auto 14px; position:relative; top:38px; }
.tier-stop.active .tier-dot{ border-color:var(--green); background:var(--green); box-shadow:0 0 0 5px var(--green-dim); }
.tier-stop .t-label{ font-family:var(--display); font-weight:700; font-size:14.5px; margin-top:56px; }
.tier-stop .t-sub{ font-size:12px; color:var(--slate-dim); margin-top:2px; }

/* ---------- LENDER LOGO CAROUSEL ---------- */
.lender-carousel{
  position:relative;
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 8%, #000 92%, transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0, #000 8%, #000 92%, transparent 100%);
}
.lender-row{ display:flex; gap:16px; overflow:hidden; padding:6px 0; }
.lender-row .track{ display:flex; gap:16px; flex-shrink:0; width:max-content; }
.lender-row.row-left .track{ animation:lenderScrollLeft 34s linear infinite; }
.lender-row.row-right .track{ animation:lenderScrollRight 30s linear infinite; }
.lender-carousel:hover .track{ animation-play-state:paused; }
@keyframes lenderScrollLeft{ from{ transform:translateX(0); } to{ transform:translateX(-50%); } }
@keyframes lenderScrollRight{ from{ transform:translateX(-50%); } to{ transform:translateX(0); } }
.lender-tile{
  background:#fff; border:1px solid var(--line); border-radius:14px; padding:18px 26px;
  display:flex; flex-direction:column; align-items:center; justify-content:center; text-align:center;
  box-shadow:var(--shadow-card); min-height:76px; min-width:180px;
  transition:transform .2s ease, box-shadow .2s ease; flex-shrink:0;
}
.lender-tile:hover{ transform:translateY(-4px); box-shadow:0 14px 30px rgba(47,111,228,0.14); }
.lender-tile img{ display:none; max-height:34px; max-width:140px; width:auto; object-fit:contain; }
.lt-logo-box{ width:120px; height:44px; align-items:center; justify-content:center; }
.lt-logo-box img{ display:block; width:100%; height:100%; max-width:none; max-height:none; object-fit:contain; }
.lender-tile .lt-name{ font-family:var(--display); font-weight:600; font-size:15px; color:var(--ink); white-space:nowrap; }
.lender-tile .lt-type{ font-family:var(--mono); font-size:9.5px; text-transform:uppercase; letter-spacing:.06em; color:var(--slate-dim); margin-top:4px; }
.lender-wall-note{ text-align:center; font-size:12.5px; color:var(--slate-dim); margin-top:28px; }
@media (max-width:900px){
  .lender-tile{ min-width:150px; padding:16px 20px; }
}

/* ---------- FAQ ---------- */
.faq-list{ max-width:760px; margin:0 auto; display:flex; flex-direction:column; gap:12px; }
.faq-item{ background:#fff; border:1px solid var(--line); border-radius:14px; padding:4px 22px; box-shadow:var(--shadow-card); }
.faq-item summary{ padding:18px 0; font-family:var(--display); font-weight:600; font-size:15.5px; cursor:pointer; list-style:none; display:flex; justify-content:space-between; align-items:center; gap:12px; touch-action:manipulation; }
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary::after{ content:'+'; font-size:22px; color:var(--blue); flex-shrink:0; transition:transform .2s; }
.faq-item[open] summary::after{ content:'−'; }
.faq-item p{ color:var(--slate); font-size:14.5px; padding-bottom:18px; margin:0; }

/* ---------- GALLERY REVIEW CARDS ---------- */
.gallery-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.gallery-card{ background:#fff; border:1px solid var(--line); border-radius:16px; overflow:hidden; box-shadow:var(--shadow-card); display:flex; flex-direction:column; }
.gallery-card .photo{ aspect-ratio:1; background:linear-gradient(135deg, var(--sky), var(--sky-3)); display:flex; align-items:center; justify-content:center; overflow:hidden; }
.gallery-card .photo img{ width:100%; height:100%; object-fit:cover; }
.gallery-placeholder{ color:var(--blue-deep); font-family:var(--mono); font-size:11px; text-align:center; padding:10px; opacity:0.6; }
.gallery-card .g-body{ padding:14px 16px 16px; }
.gallery-card .g-name{ font-family:var(--display); font-weight:700; font-size:14px; }
.gallery-card .g-vehicle{ font-family:var(--mono); font-size:11px; color:var(--blue); margin-top:2px; }
.gallery-card .g-review{ font-size:12.5px; color:var(--slate); margin-top:8px; line-height:1.5; }
.load-more-wrap{ text-align:center; margin-top:36px; }

@media (max-width:900px){
  .lender-wall{ grid-template-columns:repeat(2,1fr); }
  .gallery-grid{ grid-template-columns:repeat(2,1fr); }
  .tier-stop .t-sub{ display:none; }
}
@media (max-width:480px){
  .hero{ padding:56px 0 28px; }
  section{ padding:52px 0; }
  .wrap{ padding:0 18px; }
  .gallery-grid{ gap:12px; }
  .final-cta{ padding:40px 20px; }
  .tier-track-card, .chart-card{ padding:22px 18px; }
  .stat-row{ gap:22px; }
  .stat-num{ font-size:22px; }
}