/* ============================================
   NYOTA Fund Opportunities - Stylesheet
   Theme: Green/Red/Black (Kenya flag colors)
   ============================================ */

/* --- CSS Variables --- */
:root {
    --green-primary: #1B8C2E;
    --green-dark: #0D5E1A;
    --green-light: #E8F5E9;
    --green-50: #f0faf1;
    --red-accent: #C41E2A;
    --red-light: #FDECEA;
    --black: #1A1A1A;
    --gray-900: #212121;
    --gray-700: #616161;
    --gray-500: #9E9E9E;
    --gray-300: #E0E0E0;
    --gray-100: #F5F5F5;
    --white: #FFFFFF;
    --gold: #F9A825;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
    --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
    --shadow-xl: 0 12px 40px rgba(0,0,0,0.15);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --transition: all 0.3s ease;
}

/* --- Reset & Base --- */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    color: var(--black);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
    min-height: 100vh;
}

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

a {
    color: var(--green-primary);
    text-decoration: none;
}

/* --- Container --- */
.container {
    width: 100%;
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 20px;
}

/* --- Top Navigation --- */
.top-nav {
    background: var(--white);
    border-bottom: 3px solid var(--green-primary);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: var(--shadow-sm);
}

.nav-container {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.nav-logo-img {
    height: 40px;
    width: auto;
    max-width: 80px;
    border-radius: 4px;
    object-fit: contain;
}

.nav-brand {
    font-weight: 700;
    font-size: 1.15rem;
    color: var(--green-dark);
}

.nav-links {
    display: flex;
    gap: 24px;
}

.nav-links a {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--gray-700);
    transition: var(--transition);
    padding: 4px 0;
    border-bottom: 2px solid transparent;
}

.nav-links a:hover {
    color: var(--green-primary);
    border-bottom-color: var(--green-primary);
}

/* --- Progress Bar --- */
.progress-wrapper {
    background: var(--white);
    border-bottom: 1px solid var(--gray-300);
    padding: 20px 0;
}

.progress-container {
    max-width: 500px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    padding: 0 20px;
}

.progress-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    position: relative;
}

.step-circle {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--gray-300);
    color: var(--gray-700);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.85rem;
    transition: var(--transition);
    border: 3px solid var(--gray-300);
}

.progress-step.active .step-circle {
    background: var(--green-primary);
    color: var(--white);
    border-color: var(--green-primary);
    box-shadow: 0 0 0 4px rgba(27, 140, 46, 0.2);
}

.progress-step.completed .step-circle {
    background: var(--green-primary);
    color: var(--white);
    border-color: var(--green-primary);
}

.step-label {
    font-size: 0.72rem;
    font-weight: 500;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.progress-step.active .step-label,
.progress-step.completed .step-label {
    color: var(--green-primary);
    font-weight: 600;
}

.progress-line {
    flex: 1;
    height: 3px;
    background: var(--gray-300);
    min-width: 40px;
    margin: 0 8px;
    margin-bottom: 22px;
    border-radius: 2px;
    transition: var(--transition);
}

.progress-line.active {
    background: var(--green-primary);
}

/* --- Pages --- */
.page {
    display: none;
    animation: fadeIn 0.4s ease;
}

.page.active {
    display: block;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

/* --- Buttons --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 28px;
    font-size: 0.95rem;
    font-weight: 600;
    border: 2px solid transparent;
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
    text-decoration: none;
    white-space: nowrap;
}

.btn-primary {
    background: var(--green-primary);
    color: var(--white);
    border-color: var(--green-primary);
}

.btn-primary:hover {
    background: var(--green-dark);
    border-color: var(--green-dark);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn-primary:active {
    transform: translateY(0);
}

.btn-outline {
    background: transparent;
    color: var(--green-primary);
    border-color: var(--green-primary);
}

.btn-outline:hover {
    background: var(--green-light);
}

.btn-lg {
    padding: 16px 36px;
    font-size: 1.05rem;
}

.btn-full {
    width: 100%;
}

.btn:disabled {
    opacity: 0.6;
    cursor: not-allowed;
    transform: none;
}

/* ============================================
   STEP 1: LANDING PAGE
   ============================================ */

/* Hero */
.hero {
    background: linear-gradient(135deg, #0D5E1A 0%, #1B8C2E 50%, #0D5E1A 100%);
    position: relative;
    overflow: hidden;
    padding: 80px 20px;
    text-align: center;
    min-height: 520px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="20" cy="20" r="1.5" fill="rgba(255,255,255,0.05)"/><circle cx="60" cy="40" r="1" fill="rgba(255,255,255,0.04)"/><circle cx="80" cy="70" r="1.5" fill="rgba(255,255,255,0.05)"/><circle cx="40" cy="80" r="1" fill="rgba(255,255,255,0.04)"/></svg>');
    background-size: 100px 100px;
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 680px;
    margin: 0 auto;
}

.hero-logo {
    width: 200px;
    max-width: 50%;
    height: auto;
    margin: 0 auto 24px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    background: white;
    padding: 8px;
    object-fit: contain;
}

.hero-title {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 8px;
    line-height: 1.2;
}

.hero-tagline {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.8);
    font-style: italic;
    margin-bottom: 16px;
}

.hero-subtitle {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.9);
    margin-bottom: 32px;
    line-height: 1.5;
}

.hero-subtitle strong {
    color: var(--white);
}

.hero .btn-primary {
    background: var(--white);
    color: var(--green-dark);
    border-color: var(--white);
    font-size: 1.1rem;
    padding: 16px 40px;
}

.hero .btn-primary:hover {
    background: var(--green-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-xl);
}

/* Stats Section */
.stats-section {
    background: var(--white);
    padding: 48px 0;
    border-bottom: 1px solid var(--gray-300);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.stat-card {
    text-align: center;
    padding: 24px 16px;
    border-radius: var(--radius-md);
    background: var(--green-50);
    border: 1px solid rgba(27, 140, 46, 0.1);
    transition: var(--transition);
}

.stat-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

.stat-number {
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--green-dark);
    margin-bottom: 4px;
}

.stat-label {
    font-size: 0.82rem;
    color: var(--gray-700);
    font-weight: 500;
}

/* How to Apply */
.how-to-section {
    background: var(--green-50);
    padding: 64px 0;
}

.section-title {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--green-dark);
    text-align: center;
    margin-bottom: 8px;
}

.section-subtitle {
    text-align: center;
    color: var(--gray-700);
    margin-bottom: 40px;
    font-size: 1rem;
}

.how-to-image-wrapper {
    width: 100%;
    max-width: 700px;
    margin: 0 auto 40px;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.how-to-image {
    width: 100%;
    height: auto;
    object-fit: contain;
    display: block;
}

.steps-cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.steps-cards-3 {
    grid-template-columns: repeat(3, 1fr);
}

.step-card {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 28px 20px;
    text-align: center;
    box-shadow: var(--shadow-sm);
    border-top: 3px solid var(--green-primary);
    transition: var(--transition);
}

.step-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.step-card-number {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--green-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
    margin: 0 auto 14px;
}

.step-card h3 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--green-dark);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 0.82rem;
    color: var(--gray-700);
    line-height: 1.5;
}

/* Trust Section */
.trust-section {
    padding: 64px 0;
    background: var(--white);
}

.trust-logos {
    text-align: center;
    margin-bottom: 40px;
}

.trust-image {
    width: 100%;
    max-width: 600px;
    margin: 0 auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    object-fit: contain;
}

.trust-badges {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 32px;
}

.trust-badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    text-align: center;
}

.trust-badge span {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--gray-700);
}

/* Info Section */
.info-section {
    background: var(--green-50);
    padding: 48px 0;
}

.info-image-wrapper {
    width: 100%;
    max-width: 600px;
    margin: 0 auto;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.info-image {
    width: 100%;
    height: auto;
    object-fit: contain;
    display: block;
}

/* CTA Section */
.cta-section {
    background: linear-gradient(135deg, #0D5E1A, #1B8C2E);
    padding: 64px 0;
    text-align: center;
}

.cta-section h2 {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 12px;
}

.cta-section p {
    color: rgba(255,255,255,0.85);
    margin-bottom: 28px;
    font-size: 1.05rem;
}

.cta-section .btn-primary {
    background: var(--white);
    color: var(--green-dark);
    border-color: var(--white);
}

.cta-section .btn-primary:hover {
    background: var(--green-light);
}

/* Footer */
.footer {
    background: var(--gray-900);
    padding: 40px 0;
    color: var(--gray-500);
}

.footer-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 14px;
}

.footer-logo-img {
    height: 44px;
    width: auto;
    max-width: 80px;
    border-radius: 4px;
    background: white;
    padding: 3px;
    object-fit: contain;
    flex-shrink: 0;
}

.footer-logo p {
    font-size: 0.82rem;
    color: var(--gray-500);
    max-width: 240px;
}

.footer-links {
    text-align: right;
}

.footer-links p {
    font-size: 0.82rem;
}

.footer-tagline {
    color: var(--green-primary);
    font-weight: 600;
    margin-top: 4px;
}

/* ============================================
   STEP 2: APPLICATION FORM
   ============================================ */
.form-wrapper {
    max-width: 780px;
    margin: 32px auto 48px;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.form-header {
    background: linear-gradient(135deg, #0D5E1A, #1B8C2E);
    padding: 32px;
    text-align: center;
    color: var(--white);
}

.form-logo {
    height: 56px;
    width: auto;
    max-width: 70%;
    margin: 0 auto 14px;
    border-radius: 6px;
    background: white;
    padding: 4px;
    object-fit: contain;
}

.form-header h2 {
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 6px;
}

.form-header p {
    font-size: 0.9rem;
    opacity: 0.85;
}

#applicationForm {
    padding: 32px;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 28px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.form-group.full-width {
    grid-column: 1 / -1;
}

.form-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--gray-900);
}

.form-group input,
.form-group select {
    padding: 12px 14px;
    border: 2px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    font-family: inherit;
    color: var(--black);
    transition: var(--transition);
    background: var(--white);
    width: 100%;
    -webkit-appearance: none;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--green-primary);
    box-shadow: 0 0 0 3px rgba(27, 140, 46, 0.15);
}

.form-group input.error,
.form-group select.error {
    border-color: var(--red-accent);
    box-shadow: 0 0 0 3px rgba(196, 30, 42, 0.1);
}

.error-msg {
    font-size: 0.78rem;
    color: var(--red-accent);
    min-height: 0;
    transition: var(--transition);
}

.form-actions {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    padding-top: 8px;
}

/* ============================================
   STEP 3: LOAN PACKAGES
   ============================================ */
.packages-header {
    text-align: center;
    padding: 40px 0 8px;
}

.packages-header h2 {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--green-dark);
    margin-bottom: 8px;
}

.packages-header p {
    color: var(--gray-700);
    font-size: 1rem;
    max-width: 560px;
    margin: 0 auto;
}

.packages-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    padding: 32px 0;
}

.package-card {
    background: var(--white);
    border: 2px solid var(--gray-300);
    border-radius: var(--radius-md);
    padding: 28px 20px;
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.package-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--green-primary);
    transform: scaleX(0);
    transition: var(--transition);
}

.package-card:hover {
    border-color: var(--green-primary);
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.package-card:hover::before {
    transform: scaleX(1);
}

.package-card.popular {
    border-color: var(--green-primary);
    box-shadow: var(--shadow-md);
}

.package-card.popular::before {
    transform: scaleX(1);
}

.package-popular-tag {
    position: absolute;
    top: 12px;
    right: -28px;
    background: var(--red-accent);
    color: var(--white);
    font-size: 0.65rem;
    font-weight: 700;
    padding: 3px 32px;
    transform: rotate(45deg);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.package-amount {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--green-dark);
    margin-bottom: 12px;
}

.package-detail {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
    padding: 6px 0;
    border-bottom: 1px solid var(--gray-100);
    color: var(--gray-700);
}

.package-detail:last-of-type {
    border-bottom: none;
}

.package-detail strong {
    color: var(--black);
}

.package-select-btn {
    margin-top: 16px;
    width: 100%;
    padding: 10px 16px;
    background: var(--green-light);
    color: var(--green-dark);
    border: 2px solid var(--green-primary);
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.85rem;
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
}

.package-select-btn:hover {
    background: var(--green-primary);
    color: var(--white);
}

.packages-footer {
    text-align: center;
    padding: 0 0 48px;
}

/* ============================================
   MODAL
   ============================================ */
.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.5);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 200;
    padding: 20px;
    backdrop-filter: blur(4px);
}

.modal-overlay.active {
    display: flex;
}

.modal {
    background: var(--white);
    border-radius: var(--radius-lg);
    width: 100%;
    max-width: 480px;
    box-shadow: var(--shadow-xl);
    position: relative;
    animation: modalIn 0.3s ease;
    max-height: 90vh;
    overflow-y: auto;
}

@keyframes modalIn {
    from { opacity: 0; transform: scale(0.95) translateY(10px); }
    to { opacity: 1; transform: scale(1) translateY(0); }
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 32px;
    height: 32px;
    border: none;
    background: var(--gray-100);
    border-radius: 50%;
    font-size: 1.3rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-700);
    transition: var(--transition);
    z-index: 1;
}

.modal-close:hover {
    background: var(--gray-300);
}

.modal-header {
    text-align: center;
    padding: 28px 28px 16px;
    border-bottom: 1px solid var(--gray-100);
}

.modal-icon {
    margin-bottom: 10px;
}

.modal-header h3 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--green-dark);
}

.modal-body {
    padding: 20px 28px;
}

.modal-detail-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    font-size: 0.9rem;
}

.modal-detail-row span {
    color: var(--gray-700);
}

.modal-detail-row strong {
    color: var(--black);
}

.modal-detail-row.highlight {
    background: var(--green-50);
    margin: 0 -28px;
    padding: 12px 28px;
    border-radius: var(--radius-sm);
}

.modal-detail-row.highlight strong {
    font-size: 1.2rem;
    color: var(--green-dark);
}

.modal-detail-row.total {
    background: var(--green-primary);
    color: var(--white);
    margin: 0 -28px;
    padding: 14px 28px;
    border-radius: var(--radius-sm);
}

.modal-detail-row.total span {
    color: rgba(255,255,255,0.9);
    font-weight: 600;
}

.modal-detail-row.total strong {
    color: var(--white);
    font-size: 1.15rem;
}

.modal-divider {
    height: 1px;
    background: var(--gray-300);
    margin: 8px 0;
}

.modal-note {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    background: #FFF8E1;
    padding: 12px;
    border-radius: var(--radius-sm);
    margin-top: 14px;
    font-size: 0.82rem;
    color: var(--gray-700);
    border: 1px solid rgba(249, 168, 37, 0.3);
}

.modal-note svg {
    flex-shrink: 0;
    margin-top: 1px;
}

.modal-actions {
    padding: 20px 28px 28px;
    display: flex;
    gap: 12px;
}

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

/* ============================================
   STEP 4: PAYMENT
   ============================================ */
.payment-wrapper {
    max-width: 520px;
    margin: 32px auto 48px;
}

.payment-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.payment-header {
    background: linear-gradient(135deg, #0D5E1A, #1B8C2E);
    padding: 32px;
    text-align: center;
    color: var(--white);
}

.payment-icon {
    margin-bottom: 12px;
}

.payment-icon svg {
    stroke: var(--white);
}

.payment-header h2 {
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 6px;
}

.payment-header p {
    font-size: 0.9rem;
    opacity: 0.85;
}

.payment-summary {
    padding: 24px;
    border-bottom: 1px solid var(--gray-100);
}

.payment-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 0;
    font-size: 0.95rem;
}

.payment-row span {
    color: var(--gray-700);
}

.payment-row strong {
    color: var(--black);
}

.payment-row.highlight {
    background: var(--green-50);
    margin: 8px -24px 0;
    padding: 14px 24px;
    border-radius: var(--radius-sm);
}

.fee-amount {
    font-size: 1.3rem;
    color: var(--green-dark) !important;
}

/* Disbursement Notice */
.disbursement-notice {
    display: flex;
    align-items: center;
    gap: 10px;
    background: var(--green-50);
    border: 1px solid rgba(27, 140, 46, 0.25);
    border-left: 4px solid var(--green-primary);
    padding: 14px 20px;
    margin: 0;
    font-size: 0.88rem;
    color: var(--gray-700);
    line-height: 1.5;
}

.disbursement-notice svg {
    flex-shrink: 0;
}

.disbursement-notice strong {
    color: var(--green-dark);
}

.payment-form {
    padding: 24px;
}

.payment-form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 20px;
}

.payment-form-grid .full-width {
    grid-column: 1 / -1;
}

.input-hint {
    font-size: 0.78rem;
    color: var(--gray-500);
    margin-top: 4px;
}

/* Payment Loading */
.payment-loading {
    padding: 48px 24px;
    text-align: center;
}

.spinner {
    width: 56px;
    height: 56px;
    border: 4px solid var(--gray-300);
    border-top-color: var(--green-primary);
    border-radius: 50%;
    animation: spin 1s linear infinite;
    margin: 0 auto 20px;
}

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

.payment-loading h3 {
    font-size: 1.2rem;
    color: var(--green-dark);
    margin-bottom: 8px;
}

.payment-loading p {
    color: var(--gray-700);
    font-size: 0.9rem;
    max-width: 340px;
    margin: 0 auto;
}

.loading-hint {
    margin-top: 20px !important;
    font-size: 0.78rem !important;
    color: var(--gray-500) !important;
    font-style: italic;
}

.loading-dots {
    display: flex;
    justify-content: center;
    gap: 6px;
    margin-top: 20px;
}

.loading-dots span {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: var(--green-primary);
    animation: bounce 1.4s infinite ease-in-out both;
}

.loading-dots span:nth-child(1) { animation-delay: -0.32s; }
.loading-dots span:nth-child(2) { animation-delay: -0.16s; }
.loading-dots span:nth-child(3) { animation-delay: 0; }

@keyframes bounce {
    0%, 80%, 100% { transform: scale(0.4); opacity: 0.4; }
    40% { transform: scale(1); opacity: 1; }
}

/* Payment Error */
.payment-error {
    padding: 48px 24px;
    text-align: center;
}

.error-icon {
    margin-bottom: 16px;
}

.payment-error h3 {
    font-size: 1.2rem;
    color: var(--red-accent);
    margin-bottom: 8px;
}

.payment-error p {
    color: var(--gray-700);
    font-size: 0.9rem;
    margin-bottom: 20px;
}

.payment-back {
    text-align: center;
    padding-top: 20px;
}

/* ============================================
   STEP 5: SUCCESS
   ============================================ */
.success-wrapper {
    max-width: 560px;
    margin: 32px auto 48px;
}

.success-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    padding: 40px 32px;
    text-align: center;
}

/* Checkmark Animation */
.success-animation {
    margin-bottom: 24px;
}

.checkmark-circle {
    width: 80px;
    height: 80px;
    margin: 0 auto;
}

.checkmark-svg {
    width: 80px;
    height: 80px;
}

.checkmark-circle-bg {
    stroke: var(--green-primary);
    stroke-width: 2;
    stroke-dasharray: 166;
    stroke-dashoffset: 166;
    animation: stroke 0.6s cubic-bezier(0.65, 0, 0.45, 1) forwards;
}

.checkmark-check {
    stroke: var(--green-primary);
    stroke-width: 3;
    stroke-linecap: round;
    stroke-linejoin: round;
    stroke-dasharray: 48;
    stroke-dashoffset: 48;
    animation: stroke 0.3s cubic-bezier(0.65, 0, 0.45, 1) 0.6s forwards;
}

@keyframes stroke {
    100% { stroke-dashoffset: 0; }
}

.success-card h2 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--green-dark);
    margin-bottom: 8px;
}

.success-message {
    color: var(--gray-700);
    margin-bottom: 24px;
}

.success-info-box {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    background: var(--green-50);
    border: 1px solid rgba(27, 140, 46, 0.2);
    border-radius: var(--radius-md);
    padding: 16px;
    text-align: left;
    margin-bottom: 28px;
}

.success-info-box svg {
    flex-shrink: 0;
    margin-top: 2px;
}

.success-info-box strong {
    display: block;
    color: var(--green-dark);
    font-size: 0.95rem;
    margin-bottom: 4px;
}

.success-info-box p {
    font-size: 0.82rem;
    color: var(--gray-700);
}

.success-details {
    text-align: left;
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-md);
    padding: 20px;
    margin-bottom: 28px;
}

.success-details h3 {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--gray-900);
    margin-bottom: 14px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.success-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 0;
    border-bottom: 1px solid var(--gray-100);
    font-size: 0.88rem;
}

.success-row:last-child {
    border-bottom: none;
}

.success-row span {
    color: var(--gray-700);
}

.success-row strong {
    color: var(--black);
}

/* ============================================
   RESPONSIVE DESIGN
   ============================================ */

/* Tablets */
@media (max-width: 900px) {
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .steps-cards {
        grid-template-columns: repeat(2, 1fr);
    }
    .packages-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .footer-content {
        flex-direction: column;
        text-align: center;
    }
    .footer-links {
        text-align: center;
    }
    .how-to-image-wrapper {
        max-width: 100%;
    }
    .trust-image {
        max-width: 100%;
    }
    .info-image-wrapper {
        max-width: 100%;
    }
    .footer-logo {
        flex-direction: column;
        align-items: center;
    }
}

/* Mobile */
@media (max-width: 640px) {
    .nav-links {
        display: none;
    }

    .hero {
        padding: 60px 20px;
        min-height: 420px;
    }

    .hero-logo {
        width: 140px;
        max-width: 45%;
        padding: 6px;
    }

    .hero-title {
        font-size: 1.7rem;
    }

    .hero-tagline {
        font-size: 1rem;
    }

    .hero-subtitle {
        font-size: 0.95rem;
    }

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

    .stat-number {
        font-size: 1.2rem;
    }

    .stat-label {
        font-size: 0.72rem;
    }

    .section-title {
        font-size: 1.4rem;
    }

    .steps-cards {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .step-card {
        padding: 20px 14px;
    }

    .trust-badges {
        gap: 16px;
    }

    .trust-image {
        max-width: 100%;
        border-radius: var(--radius-sm);
    }

    .info-image-wrapper {
        max-width: 100%;
        border-radius: var(--radius-sm);
    }

    .how-to-image-wrapper {
        max-width: 100%;
        margin-bottom: 28px;
        border-radius: var(--radius-sm);
    }

    .form-logo {
        height: 44px;
    }

    .footer-logo-img {
        height: 36px;
    }

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

    #applicationForm {
        padding: 24px 20px;
    }

    .form-actions {
        flex-direction: column-reverse;
    }

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

    .packages-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .package-amount {
        font-size: 1.2rem;
    }

    .package-detail {
        font-size: 0.72rem;
    }

    .modal {
        margin: 10px;
        max-height: 95vh;
    }

    .modal-actions {
        flex-direction: column;
    }

    .modal-body {
        padding: 16px 20px;
    }

    .modal-header {
        padding: 24px 20px 14px;
    }

    .modal-actions {
        padding: 16px 20px 24px;
    }

    .progress-container {
        gap: 0;
    }

    .step-label {
        font-size: 0.65rem;
    }

    .step-circle {
        width: 30px;
        height: 30px;
        font-size: 0.75rem;
    }

    .success-card {
        padding: 32px 20px;
    }

    .success-card h2 {
        font-size: 1.25rem;
    }

    .cta-section h2 {
        font-size: 1.4rem;
    }

    .payment-summary,
    .payment-form {
        padding: 20px 16px;
    }

    .payment-header {
        padding: 24px 16px;
    }

    .payment-form-grid {
        grid-template-columns: 1fr;
    }

    .disbursement-notice {
        font-size: 0.82rem;
        padding: 12px 16px;
    }

    .steps-cards-3 {
        grid-template-columns: 1fr;
    }
}

/* Extra small */
@media (max-width: 380px) {
    .packages-grid {
        grid-template-columns: 1fr;
    }

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

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