/* Adaxa HELOC pre-qual — CRO-optimized multi-step page.
   Brand from adaxahome.com: teal #13485A, gold #FFD936, near-black #0B0B0B, DM Sans. */
:root {
  --brand: #13485A;
  --brand-dark: #0e3644;
  --gold: #FFD936;
  --dark: #0B0B0B;
  --ink: #16202a;
  --body: #48505a;
  --muted: #6b7480;
  --line: #e4e7ea;
  --panel: #ffffff;
  --soft: #f4f6f7;
  --radius: 6px;
  --maxw: 720px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; color-scheme: light; }
body {
  margin: 0;
  font-family: "DM Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--body); background: var(--soft); line-height: 1.6;
}
h1, h2, h3 { color: var(--ink); font-weight: 600; letter-spacing: -0.01em; margin: 0; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

/* Header */
.topbar { background: var(--dark); }
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; }
.brand { font-weight: 600; font-size: 22px; color: #fff; letter-spacing: 0.02em; }
.phone { color: #fff; text-decoration: none; font-weight: 500; font-size: 14px; display: inline-flex; align-items: center; gap: 7px; }
.phone .lbl { color: #aeb6bd; font-weight: 400; }

/* Hero */
.hero { background: var(--dark); color: #fff; text-align: center; padding: 30px 20px 26px; }
.hero h1 { color: #fff; font-weight: 500; font-size: 38px; line-height: 1.12; max-width: 620px; margin: 0 auto 14px; }
.hero h1 .hl { color: var(--gold); }
.hero .sub { color: #cfd3d8; font-size: 17px; max-width: 540px; margin: 0 auto 22px; }
.hero .cta-start {
  display: inline-block; background: var(--gold); color: #1c1600; font-weight: 600; font-size: 17px;
  padding: 15px 40px; border-radius: var(--radius); text-decoration: none; border: none; cursor: pointer;
}
.hero .cta-start:hover { filter: brightness(1.04); }
.hero .reassure { margin: 14px 0 0; font-size: 13px; color: #aeb6bd; }
.hero .reassure b { color: #fff; font-weight: 500; }

/* Trust bar — same dark bg as hero so it reads as one masthead */
.trustbar { background: var(--dark); }
.trustbar .wrap { display: flex; justify-content: center; gap: 40px; flex-wrap: wrap; padding: 20px 20px 50px; border-top: 1px solid rgba(255,255,255,0.09); }
.trustbar .stat { text-align: center; color: #dfe6e9; }
.trustbar .stat b { display: block; color: var(--gold); font-size: 22px; font-weight: 600; }
.trustbar .stat span { font-size: 11px; color: #9fb4bb; letter-spacing: 0.04em; }

/* Card (form) pulled up over hero */
main .wrap { padding-top: 0; }
.card {
  background: var(--panel); border: 1px solid var(--line); border-radius: 12px;
  padding: 26px; box-shadow: 0 12px 40px rgba(19,72,90,0.12); margin: -32px auto 22px; max-width: 620px;
}

/* Progress */
.progress { height: 6px; background: var(--soft); border-radius: 99px; overflow: hidden; margin-bottom: 22px; }
.progress .bar { height: 100%; background: var(--gold); width: 0; transition: width .3s ease; }

/* Steps */
.step { display: none; }
.step.active { display: block; animation: fade .25s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.step h2 { font-size: 22px; margin: 0 0 4px; }
.step .hint { color: var(--muted); font-size: 14px; margin: 0 0 18px; }

/* Option cards (single-select, auto-advance) */
.options { display: grid; gap: 10px; }
.options.two { grid-template-columns: 1fr 1fr; }
.opt {
  text-align: left; background: #fff; border: 1.5px solid var(--line); border-radius: 10px;
  padding: 15px 16px; cursor: pointer; width: 100%;
  display: flex; align-items: center; gap: 14px; font-family: inherit; transition: border-color .15s, background .15s, box-shadow .15s;
}
.opt:hover { border-color: var(--brand); background: #f7fafb; box-shadow: 0 2px 10px rgba(19,72,90,0.06); }
.opt .ic { width: 40px; height: 40px; border-radius: 10px; background: #eaf1f3; color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 19px; font-weight: 600; flex: none; }
.opt .txt { display: flex; flex-direction: column; gap: 2px; flex: 1 1 auto; min-width: 0; }
.opt .txt b { font-weight: 600; font-size: 16px; color: var(--ink); line-height: 1.25; }
.opt small { color: var(--muted); font-weight: 400; font-size: 13px; line-height: 1.3; }
.opt .arw { flex: none; color: #c2c9ce; font-size: 24px; line-height: 1; transition: transform .15s, color .15s; }
.opt:hover .arw { color: var(--brand); transform: translateX(3px); }
/* amount step: compact centered choices, no chevron column */
.options.two .opt { justify-content: center; text-align: center; font-size: 17px; font-weight: 600; color: var(--ink); padding: 18px 12px; }

/* Inputs */
.grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label { display: flex; flex-direction: column; font-size: 13px; font-weight: 500; color: var(--muted); gap: 6px; }
input, select {
  font-family: inherit; font-size: 16px; padding: 13px; border: 1.5px solid var(--line); border-radius: var(--radius);
  color: var(--ink); background-color: #fff; font-weight: 500; width: 100%; color-scheme: light; appearance: none; -webkit-appearance: none;
}
select {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2313485A' stroke-width='3'><path d='M6 9l6 6 6-6'/></svg>");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px;
}
input:focus, select:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(19,72,90,0.12); }

/* Consent */
.consent { margin: 18px 0 6px; display: flex; flex-direction: column; gap: 11px; }
.checkbox { flex-direction: row; align-items: flex-start; gap: 10px; font-weight: 400; color: var(--body); font-size: 12.5px; line-height: 1.5; }
.checkbox input { margin-top: 3px; width: auto; flex: none; }

/* Buttons */
.btn {
  margin-top: 18px; width: 100%; padding: 16px; font-family: inherit; font-size: 16px; font-weight: 600;
  color: #fff; background: var(--brand); border: none; border-radius: var(--radius); cursor: pointer; letter-spacing: 0.01em;
}
.btn:hover { background: var(--brand-dark); }
.btn.gold { background: var(--gold); color: #1c1600; }
.btn.ghost { background: transparent; color: var(--brand); border: 1.5px solid var(--line); padding: 11px; margin-top: 12px; font-size: 14px; }
.back { background: none; border: none; color: var(--muted); font-size: 13px; cursor: pointer; padding: 8px 0 0; font-family: inherit; }
.disclaimer { font-size: 12px; color: var(--muted); margin: 14px 0 0; }

/* Loading / results */
.center { text-align: center; padding: 20px 0; }
.spinner { width: 34px; height: 34px; border: 3px solid var(--line); border-top-color: var(--brand); border-radius: 50%; margin: 8px auto 14px; animation: spin 0.8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.offers { display: flex; flex-direction: column; gap: 12px; }
.offer { border: 1.5px solid var(--line); border-radius: 10px; padding: 16px; display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.offer.best { border-color: var(--brand); }
.offer .tag { display: inline-block; background: var(--gold); color: #1c1600; font-size: 11px; font-weight: 600; padding: 2px 8px; border-radius: 99px; margin-bottom: 6px; }
.offer .amt { font-size: 22px; font-weight: 600; color: var(--ink); }
.offer .meta { color: var(--muted); font-size: 13px; }
.offer .apr { text-align: right; flex: none; }
.offer .apr b { font-size: 20px; color: var(--brand); font-weight: 600; }
.offer .apr span { display: block; color: var(--muted); font-size: 12px; }
.mock-note { background: #fffbe6; border: 1px solid var(--gold); padding: 10px 12px; border-radius: var(--radius); font-size: 13px; color: #7a6a00; margin-bottom: 14px; }

/* Reassure strip under form */
.microtrust { display: flex; justify-content: center; gap: 20px; flex-wrap: wrap; margin: 0 auto 30px; max-width: 620px; color: var(--muted); font-size: 12.5px; }
.microtrust span { display: inline-flex; align-items: center; gap: 6px; }
.microtrust .ti { color: var(--brand); }

/* Footer */
.legal { background: var(--dark); color: #aeb3b9; font-size: 12px; text-align: center; padding: 28px 20px 40px; }
.legal p { margin: 6px auto; max-width: 640px; }
.legal a { color: #cfd3d8; }
.legal .fineprint { opacity: 0.75; }
.hidden { display: none; }

@media (max-width: 560px) {
  .hero h1 { font-size: 29px; }
  .grid { grid-template-columns: 1fr; }
  .options.two { grid-template-columns: 1fr; }
  .trustbar .wrap { gap: 22px; }
}