:root {
  /* Brand color tokens - Tier 1 Institutional Microfinance */
  --primary-green: #0F7B3D;
  --primary-green-deep: #072314;
  --primary-green-dark: #095A2C;
  --primary-green-bright: #159A4F;
  --primary-green-light: #F0FDF4;
  --primary-green-border: rgba(15, 123, 61, 0.16);

  --accent-orange: #E86F28;
  --accent-orange-hover: #D05E1A;
  --accent-gold: #C49A58;
  --accent-gold-soft: #FBF8F2;
  --brand-danger: #CE1126;

  /* Fluent neutral surfaces (opaque, no glassmorphism) */
  --surface-canvas: #FAFCF9;
  --surface-white: #FFFFFF;
  --surface-card: #FFFFFF;
  --surface-tint: #EDF7F0;
  --surface-sunken: #F1F5F2;
  --surface-overlay: rgba(7, 28, 19, 0.65);

  /* Fluent borders */
  --border-subtle: #E2E8F0;
  --border-default: #CBD5E1;
  --border-brand: rgba(15, 123, 61, 0.18);
  --border-hover: rgba(15, 123, 61, 0.38);

  /* Fluent typography */
  --text-heading: #0B2118;
  --text-body: #334155;
  --text-muted: #64748B;
  --text-light: #64748B;
  --text-inverse: #FFFFFF;

  /* Fluent radii */
  --radius-xs: 2px;
  --radius-sm: 4px;
  --radius-md: 6px;
  --radius-lg: 8px;
  --radius-xl: 12px;
  --radius-pill: 9999px;
  --radius-circle: 50%;

  /* Fluent elevations (layered light from above) */
  --fluent-elevation-1: 0 1px 3px rgba(0, 0, 0, 0.05), 0 1px 2px rgba(0, 0, 0, 0.03);
  --fluent-elevation-2: 0 4px 12px rgba(0, 0, 0, 0.08), 0 1px 3px rgba(0, 0, 0, 0.04);
  --fluent-elevation-3: 0 10px 28px rgba(0, 0, 0, 0.12), 0 2px 8px rgba(0, 0, 0, 0.04);
  --fluent-elevation-4: 0 24px 56px rgba(0, 0, 0, 0.20), 0 4px 16px rgba(0, 0, 0, 0.06);

  /* Compatibility aliases */
  --premium-ink: var(--text-heading);
  --premium-green: var(--primary-green);
  --premium-green-bright: var(--primary-green-bright);
  --premium-mint: var(--surface-tint);
  --premium-cream: var(--surface-canvas);
  --premium-gold: var(--accent-gold);
  --premium-line: var(--border-subtle);
  --premium-shadow: var(--fluent-elevation-2);
  --premium-shadow-soft: var(--fluent-elevation-1);
  --text-dark: var(--text-heading);
  --dark-text: var(--text-heading);
}

html { scroll-behavior: smooth; }
body {
  background: var(--surface-canvas);
  color: var(--text-body);
  font-family: var(--font-primary);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
::selection { background: rgba(196,154,88,.28); color: var(--text-heading); }

/* Executive Pre-Header Bar */
.top-bar {
  background: var(--surface-canvas);
  border-bottom: 1px solid var(--border-subtle);
  font-size: 0.78rem;
  line-height: 1.4;
  position: relative;
  z-index: 25;
}
.top-bar a:hover { color: var(--primary-green); }
@media (max-width: 768px) {
  .top-bar-hours, .top-bar-branches { display: none !important; }
}

.navbar-nav {
  position: relative;
  z-index: 20;
  margin: 0;
  max-width: none;
  border: 0;
  border-bottom: 1px solid var(--border-subtle);
  border-radius: 0;
  background: var(--surface-white);
  box-shadow: var(--fluent-elevation-1);
}
.navbar-nav a { transition: color .2s ease; }
.navbar-nav a:hover { color: var(--primary-green); }
.logo, .brand-logo { transition: transform .2s ease; }
.logo:hover, .brand-logo:hover { transform: translateY(-1px); }

/* Fluent Buttons */
.btn {
  border-radius: var(--radius-md);
  font-weight: 600;
  letter-spacing: -0.01em;
  box-shadow: 0 1px 2px rgba(0,0,0,0.05);
  transition: background .18s ease, color .18s ease, border-color .18s ease, transform .18s ease, box-shadow .18s ease;
}
.btn:hover {
  transform: translateY(-1px);
  box-shadow: var(--fluent-elevation-2);
}
.btn:active {
  transform: translateY(0);
  box-shadow: var(--fluent-elevation-1);
}
.btn:focus-visible, button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--primary-green);
  outline-offset: 2px;
}
.btn:disabled, button:disabled {
  opacity: 0.65;
  cursor: not-allowed;
  pointer-events: none;
  transform: none !important;
  box-shadow: none !important;
}

/* Accessible color contrast for buttons */
.btn-primary {
  background: var(--primary-green);
  color: var(--surface-white);
}
.btn-primary:hover {
  background: var(--primary-green-dark);
  color: var(--surface-white);
}
.btn-secondary {
  background: var(--accent-orange);
  color: var(--primary-green-deep);
  font-weight: 700;
}
.btn-secondary:hover {
  background: var(--accent-orange-hover);
  color: var(--primary-green-deep);
}
.btn-white {
  background: var(--surface-white);
  color: var(--primary-green-deep);
  font-weight: 600;
}
.btn-white:hover {
  background: var(--surface-canvas);
  color: var(--primary-green);
}

/* Consolidated product outline buttons */
.btn-outline-green,
.btn-susu-outline,
.btn-sav-outline {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  color: var(--primary-green);
  border: 2px solid var(--primary-green);
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
}
.btn-outline-green:hover,
.btn-susu-outline:hover,
.btn-sav-outline:hover {
  background: var(--primary-green);
  color: var(--surface-white);
  transform: translateY(-2px);
}

/* Fluent Hero Slider */
.hero { position: relative; isolation: isolate; }
.hero::after { display: none; }
.hero-slider { overflow: hidden; border-radius: 0; box-shadow: none; }
.hero-slide { transition: opacity .72s ease, transform .9s cubic-bezier(.2,.8,.2,1); }
.hero-slide:not(.active) { transform: scale(1.035); }
.slider-content { max-width: 620px; }
.slider-label, .award-year { letter-spacing: .18em; font-size: .72rem; font-weight: 750; }
.slider-heading-divider, .award-divider { background: var(--accent-gold); height: 3px; border-radius: var(--radius-pill); }
.slider-btn, .slider-dot { transition: transform .22s ease, opacity .22s ease, background .22s ease; }
.slider-btn:hover, .slider-dot:hover { transform: scale(1.06); }
.slider-dots { padding: 1rem; }
.slider-dot[aria-current="true"] { box-shadow: 0 0 0 4px rgba(255,255,255,.25); }

section { position: relative; }
.light-bg { background: linear-gradient(180deg, var(--surface-white) 0%, var(--surface-tint) 100%); }

/* Fluent Cards - Physical Layered Elevation */
.card, .service-card, .loan-card, .testimonial-card, .gallery-item, .contact-form, .form-card, .catalog-card, .news-card, .team-card, .director-card, .branch-card {
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  background: var(--surface-card);
  box-shadow: var(--fluent-elevation-1);
  transition: transform .2s cubic-bezier(.16, 1, .3, 1), box-shadow .2s cubic-bezier(.16, 1, .3, 1), border-color .2s ease;
}
.card:hover, .service-card:hover, .loan-card:hover, .testimonial-card:hover, .gallery-item:hover, .catalog-card:hover, .news-card:hover, .team-card:hover, .director-card:hover, .branch-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--fluent-elevation-2);
  border-color: var(--border-hover);
}

.section-title h2, section h2 {
  letter-spacing: -.035em;
  color: var(--text-heading);
}
.section-title h2::after, .text-center h2::after {
  background: var(--accent-gold);
  border-radius: var(--radius-pill);
}

/* Fluent Form Controls */
input, select, textarea {
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  background: var(--surface-white);
  color: var(--text-body);
  transition: border-color .18s ease, box-shadow .18s ease;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--primary-green);
  background: var(--surface-white);
  box-shadow: 0 0 0 3px rgba(15, 123, 61, .14);
  outline: none;
}
img { max-width: 100%; height: auto; }
button { font: inherit; }

.lucide-icon { display: inline-block; flex: none; vertical-align: middle; }
.gallery-item .lucide-icon { color: var(--primary-green); }

footer {
  margin-top: 0;
  border-radius: 0;
  background: linear-gradient(135deg, #071e14 0%, #0c2b1d 100%);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
footer a { transition: color .2s ease, transform .2s ease; }
footer a:hover { color: #e2c98f; transform: translateX(2px); }

.reveal { will-change: transform, opacity; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}
@media (max-width: 768px) {
  .navbar-nav { margin: 0; border-radius: 0; }
  .hero-slider { border-radius: 0; }
  .slider-content { padding: 1.5rem 1.6rem 1.8rem; }
  .card, .service-card, .loan-card, .testimonial-card, .gallery-item { border-radius: var(--radius-lg); }
}
/* Form controls: checkboxes and radios must not inherit full-width text-input sizing */
input[type="checkbox"], input[type="radio"] {
  width: auto !important;
  min-width: 1rem;
  flex: 0 0 auto;
  accent-color: var(--premium-green);
}
.sa-modal form > label,
#loanApplicationForm > label {
  display: flex !important;
  align-items: flex-start;
  gap: .6rem;
  line-height: 1.5;
  text-align: left;
}
.sa-modal form > label input[type="checkbox"],
#loanApplicationForm > label input[type="checkbox"] {
  margin-top: .25rem;
}
.contact-visual {
  margin: 0 0 2rem;
  overflow: hidden;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-subtle);
  background: var(--surface-white);
  box-shadow: var(--fluent-elevation-1);
}
.contact-visual img {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 8;
  object-fit: cover;
}
.contact-visual figcaption {
  padding: .8rem 1rem;
  color: var(--text-muted);
  font-size: .86rem;
  line-height: 1.5;
}
@media (max-width: 700px) {
  .contact-visual img { aspect-ratio: 16 / 9; }
}
.loans-hero-cta { margin: 1.25rem 0 1rem; }
.loans-hero-cta .btn { display: inline-flex; align-items: center; gap: .45rem; }
.loans-hero-badges span { display: inline-flex; align-items: center; gap: .4rem; }
.loan-icon, .inline-icon { display: inline-flex; align-items: center; justify-content: center; }

/* Institutional Subpage Hero Badges */
.page-hero-banner__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.25rem;
}
.page-hero-banner__badges span {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: rgba(7, 35, 20, 0.8);
  border: 1px solid rgba(255, 255, 255, 0.22);
  color: var(--surface-white);
  padding: 0.4rem 0.95rem;
  border-radius: var(--radius-pill);
  font-size: 0.82rem;
  font-weight: 600;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.25);
}
.page-hero-banner__badges span .lucide-icon {
  color: var(--accent-orange);
}
/* Refined type scale and rhythm */
body {
  font-size: 16px;
  font-optical-sizing: auto;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
h1, h2, h3, h4, h5, h6 { letter-spacing: -.02em; text-wrap: balance; }
h1 { font-weight: 700; letter-spacing: -.025em; }
h2 { font-weight: 600; letter-spacing: -.02em; }
h3 { font-weight: 600; letter-spacing: -.015em; }
p, li, label { text-wrap: pretty; }
/* Text-center blocks (used on loans/product pages for centred sub-section headings) */
main section > .container > .text-center { max-width: 680px; margin-left: auto; margin-right: auto; }

/* Section headings (used on home page for left-aligned sections) */
/* No max-width or centering — they should span full container width */
.section-heading {
  width: 100%;
  margin-left: 0;
  margin-right: 0;
}
/* section-title (if any) stays centred but with generous cap */
.section-title { max-width: 760px; margin-left: auto; margin-right: auto; }
/* Mobile navigation drawer */
.nav-scrim { display: none; }
.nav-drawer-header { display: none; }
@media (max-width: 768px) {
  body.nav-open { overflow: hidden; }
  .navbar-nav { z-index: 1200; }
  .navbar-logo img { height: 64px !important; }
  .navbar-nav .container { position: relative; z-index: 1300; }
  .hamburger {
    position: relative;
    z-index: 1400;
    appearance: none;
    border: 0;
    background: transparent;
    padding: .65rem;
    margin-right: -.65rem;
  }
  .nav-links {
    display: flex !important;
    position: fixed;
    inset: 0 0 0 auto;
    width: min(88vw, 380px);
    height: 100dvh;
    max-height: none;
    margin: 0;
    padding: 1.25rem 1rem 2rem;
    flex-direction: column;
    align-items: stretch;
    gap: .25rem;
    overflow-y: auto;
    overscroll-behavior: contain;
    background: var(--surface-white);
    box-shadow: -24px 0 70px rgba(8, 34, 22, .22);
    transform: translateX(105%);
    visibility: hidden;
    transition: transform .32s cubic-bezier(.2,.8,.2,1), visibility .32s ease;
    z-index: 1250;
  }
  .nav-links.active { transform: translateX(0); visibility: visible; }
  .nav-drawer-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: .5rem .35rem 1.1rem;
    margin-bottom: .35rem;
    border-bottom: 1px solid var(--premium-line);
    color: var(--premium-ink);
    font-size: 1.05rem;
    font-weight: 750;
    letter-spacing: -.02em;
  }
  .nav-drawer-header button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border: 1px solid var(--premium-line);
    border-radius: 12px;
    background: var(--premium-mint);
    color: var(--premium-ink);
  }
  .nav-links > li:not(.nav-drawer-header) > a {
    display: flex;
    align-items: center;
    min-height: 48px;
    padding: .7rem .8rem;
    border-radius: 12px;
    font-size: .98rem;
    font-weight: 650;
  }
  .nav-links > li:not(.nav-drawer-header) > a:hover,
  .nav-links > li:not(.nav-drawer-header) > a.active { background: var(--premium-mint); }
  .nav-links .dropdown-menu {
    position: static;
    display: block;
    max-height: 0;
    min-width: 0;
    padding: 0;
    margin: 0 .4rem;
    overflow: hidden;
    opacity: 1;
    visibility: visible;
    transform: none;
    border: 0;
    border-left: 2px solid rgba(20,107,58,.18);
    border-radius: 0;
    box-shadow: none;
    background: transparent;
    transition: max-height .28s ease, padding .28s ease;
  }
  .nav-links .nav-item.dropdown.active .dropdown-menu {
    max-height: 360px;
    padding: .25rem 0 .4rem;
  }
  .nav-links .dropdown-menu a {
    min-height: 42px;
    padding: .55rem 1rem;
    border-radius: 8px;
    font-size: .9rem;
  }
  .nav-scrim {
    display: block;
    position: fixed;
    inset: 0;
    z-index: 1150;
    background: rgba(5, 22, 15, .52);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity .28s ease, visibility .28s ease;
  }
  .nav-scrim.active { opacity: 1; visibility: visible; pointer-events: auto; }
}
@media (prefers-reduced-motion: reduce) {
  .nav-links, .nav-scrim { transition: none; }
}

/* ==========================================================================
   Home Promises Fluent Design Component
   ========================================================================== */
.home-promises-list {
  display: grid !important;
  gap: 0.85rem !important;
  margin: 0 !important;
  padding: 0 !important;
  list-style: none !important;
}
.home-promise-item {
  display: flex !important;
  align-items: flex-start !important;
  gap: 1.1rem !important;
  padding: 1.25rem 1.4rem !important;
  background: var(--surface-white) !important;
  border: 1px solid var(--border-subtle) !important;
  border-radius: var(--radius-md) !important;
  box-shadow: var(--fluent-elevation-1) !important;
  transition: transform 0.2s cubic-bezier(0.1, 0.9, 0.2, 1), box-shadow 0.2s ease, border-color 0.2s ease !important;
}
.home-promise-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--fluent-elevation-2) !important;
  border-color: var(--border-brand) !important;
}
.home-promise-icon {
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  width: 44px !important;
  height: 44px !important;
  min-width: 44px !important;
  border-radius: var(--radius-sm);
  background: var(--surface-tint) !important;
  color: var(--primary-green) !important;
  flex-shrink: 0 !important;
  border: 1px solid rgba(15, 123, 61, 0.16) !important;
  margin-top: 2px;
}
.home-promise-icon svg,
.home-promise-icon .lucide-icon {
  display: block !important;
  margin: auto !important;
  color: var(--primary-green) !important;
  flex-shrink: 0 !important;
}
.home-promise-text {
  flex: 1;
  min-width: 0;
}
.home-promise-item strong {
  display: block;
  color: var(--text-heading);
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
  line-height: 1.3;
}
.home-promise-desc,
.home-promise-text span,
.home-promise-item div > span {
  display: block;
  color: var(--text-body);
  font-size: 0.93rem;
  line-height: 1.55;
  margin: 0;
}

/* ==========================================================================
   FAQ Institutional Fluent Accordion
   ========================================================================== */
.faq-accordion {
  max-width: 840px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.faq-item {
  background: var(--surface-white);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  box-shadow: var(--fluent-elevation-1);
  overflow: hidden;
  transition: box-shadow 0.2s ease, border-color 0.2s ease;
}
.faq-item:hover {
  border-color: var(--border-brand);
  box-shadow: var(--fluent-elevation-2);
}
.faq-item.active {
  border-color: var(--primary-green);
  box-shadow: var(--fluent-elevation-2);
}
.faq-header {
  padding: 1.25rem 1.4rem;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  user-select: none;
  background: transparent;
  transition: background 0.15s ease;
}
.faq-header:hover {
  background: var(--surface-tint);
}
.faq-header h3, .faq-header h4 {
  margin: 0;
  font-size: 1.05rem;
  font-weight: 650;
  color: var(--talent-ink);
  line-height: 1.4;
}
.faq-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: var(--radius-circle);
  background: var(--surface-tint);
  color: var(--primary-green);
  flex-shrink: 0;
  transition: transform 0.25s cubic-bezier(0.2, 0.8, 0.2, 1), background 0.2s ease, color 0.2s ease;
}
.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: var(--primary-green);
  color: var(--surface-white);
}
.faq-body {
  display: none;
  padding: 0 1.4rem 1.35rem;
  color: var(--text-body);
  font-size: 0.96rem;
  line-height: 1.65;
  border-top: 1px solid var(--border-subtle);
  padding-top: 1.1rem;
}
.faq-item.active .faq-body {
  display: block;
}

/* ==========================================================================
   Fluent Responsive Loan Application Portal (Modal & In-Page)
   ========================================================================== */
.loan-app-modal {
  display: none;
  position: fixed;
  inset: 0;
  width: 100%;
  height: 100%;
  background: rgba(7, 35, 20, 0.72);
  z-index: 9999;
  overflow: hidden;
  overscroll-behavior: contain;
  padding: clamp(1rem, 2.5vw, 2.5rem) 1rem;
  align-items: center;
  justify-content: center;
}
.loan-app-modal:target {
  display: flex !important;
}
.loan-app-dialog {
  display: flex;
  flex-direction: column;
  width: 100%;
  max-width: 920px;
  height: min(90vh, 860px);
  max-height: calc(100dvh - 2rem);
  margin: 0 auto;
  background: var(--surface-white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border-subtle);
  box-shadow: var(--fluent-elevation-4);
  overflow: hidden;
  position: relative;
  flex-shrink: 0;
  animation: modalSlideUp 0.28s cubic-bezier(0.1, 0.9, 0.2, 1);
}
@keyframes modalSlideUp {
  from { opacity: 0; transform: translateY(18px) scale(0.985); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.loan-app-header {
  flex-shrink: 0;
  background: var(--primary-green-deep);
  color: var(--surface-white);
  padding: 1.2rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  z-index: 2;
}
.loan-app-header__brand {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.loan-app-header__logo {
  height: 46px;
  width: auto;
  border-radius: var(--radius-sm);
  background: var(--surface-white);
  padding: 3px;
}
.loan-app-header__title {
  margin: 0;
  font-size: 1.15rem;
  font-weight: 750;
  letter-spacing: 0.5px;
  color: var(--surface-white) !important;
  line-height: 1.2;
}
.loan-app-header__sub {
  margin: 0.2rem 0 0;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--accent-orange) !important;
}
.loan-app-close-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius-circle);
  background: rgba(255, 255, 255, 0.08);
  color: var(--surface-white);
  cursor: pointer;
  transition: background 0.18s ease, transform 0.18s ease;
  padding: 0;
}
.loan-app-close-btn:hover {
  background: rgba(255, 255, 255, 0.22);
  transform: scale(1.05);
}

/* Stepper Tabs */
.loan-app-stepper {
  flex-shrink: 0;
  display: flex;
  background: var(--surface-canvas);
  border-bottom: 1px solid var(--border-subtle);
  overflow-x: auto;
  scrollbar-width: none;
  z-index: 1;
}
.loan-app-stepper::-webkit-scrollbar { display: none; }
.loan-app-tab {
  flex: 1;
  min-width: 130px;
  padding: 0.95rem 1rem;
  border: none;
  background: transparent;
  font-size: 0.92rem;
  font-weight: 650;
  cursor: pointer;
  color: var(--text-muted);
  border-bottom: 3px solid transparent;
  transition: color 0.2s ease, border-color 0.2s ease, background 0.2s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  white-space: nowrap;
}
.loan-app-tab:hover {
  color: var(--text-heading);
  background: rgba(15, 123, 61, 0.04);
}
.loan-app-tab.active {
  color: var(--primary-green);
  border-bottom-color: var(--primary-green);
  background: var(--surface-white);
}
.loan-app-tab-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: var(--radius-circle);
  font-size: 0.78rem;
  font-weight: 750;
  background: var(--surface-tint);
  color: var(--primary-green);
}
.loan-app-tab.active .loan-app-tab-num {
  background: var(--primary-green);
  color: var(--surface-white);
}

/* Form Layout */
.loan-app-form {
  flex: 1;
  min-height: 0;
  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
  padding: clamp(1.25rem, 3vw, 2.25rem);
  scrollbar-width: thin;
  scrollbar-color: var(--border-default) transparent;
}
.loan-app-form::-webkit-scrollbar {
  width: 6px;
}
.loan-app-form::-webkit-scrollbar-track {
  background: transparent;
}
.loan-app-form::-webkit-scrollbar-thumb {
  background: var(--border-default);
  border-radius: 4px;
}
.loan-app-form::-webkit-scrollbar-thumb:hover {
  background: var(--border-brand);
}
.loan-fieldset {
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.4rem;
  margin-bottom: 1.5rem;
  background: var(--surface-white);
}
.loan-fieldset legend {
  padding: 0 0.5rem;
  font-weight: 750;
  font-size: 0.98rem;
  color: var(--primary-green);
  letter-spacing: 0.3px;
}
.loan-form-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-bottom: 0.9rem;
}
.loan-form-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin-bottom: 0.9rem;
}
.loan-form-group {
  margin-bottom: 0.9rem;
}
.loan-form-group label,
.loan-form-label {
  display: block;
  font-weight: 650;
  font-size: 0.88rem;
  color: var(--text-heading);
  margin-bottom: 0.35rem;
}
.req-star {
  color: var(--brand-danger);
  font-weight: 700;
  margin-left: 0.15rem;
}
.loan-input,
.loan-select,
.loan-textarea {
  width: 100%;
  min-height: 44px;
  padding: 0.65rem 0.85rem;
  border: 1px solid var(--border-default);
  border-radius: var(--radius-md);
  background: var(--surface-white);
  color: var(--text-heading);
  font-family: inherit;
  font-size: 0.95rem;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.loan-textarea {
  min-height: 72px;
  resize: vertical;
}
.loan-input:focus,
.loan-select:focus,
.loan-textarea:focus {
  outline: none;
  border-color: var(--primary-green);
  box-shadow: 0 0 0 3px rgba(15, 123, 61, 0.15);
}
.loan-input::placeholder,
.loan-textarea::placeholder {
  color: var(--text-muted);
}

/* Application Type Chips */
.app-type-chips {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(170px, 1fr));
  gap: 0.75rem;
}
.app-type-chip {
  display: flex !important;
  align-items: center;
  gap: 0.65rem;
  padding: 0.75rem 0.95rem;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  background: var(--surface-canvas);
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-heading);
  transition: border-color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
  user-select: none;
}
.app-type-chip:hover {
  background: var(--surface-tint);
  border-color: var(--border-brand);
}
.app-type-chip:has(input:checked) {
  border-color: var(--primary-green);
  background: var(--surface-tint);
  font-weight: 700;
  box-shadow: var(--fluent-elevation-1);
}

/* Passport photo upload Fluent box */
.loan-photo-upload-box {
  width: 120px;
  height: 140px;
  border: 2px dashed var(--border-default);
  border-radius: var(--radius-md);
  background: var(--surface-canvas);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  overflow: hidden;
  position: relative;
  transition: border-color 0.2s ease, background 0.2s ease;
}
.loan-photo-upload-box:hover {
  border-color: var(--primary-green);
  background: var(--surface-tint);
}

/* Responsive Breakpoints for Loan Application Form */
@media (max-width: 768px) {
  .loan-form-grid-3 { grid-template-columns: 1fr; }
  .loan-form-grid-2 { grid-template-columns: 1fr; }
  .loan-app-stepper {
    display: flex;
    justify-content: flex-start;
    overflow-x: auto;
    scrollbar-width: none;
    -webkit-overflow-scrolling: touch;
    padding: 0 0.5rem;
  }
  .loan-app-tab {
    flex: 0 0 auto;
    min-width: auto;
    padding: 0.8rem 1.15rem;
    font-size: 0.88rem;
  }
}
@media (max-width: 640px) {
  .loan-app-modal {
    padding: 0;
  }
  .loan-app-dialog {
    max-width: 100%;
    min-height: 100dvh;
    border-radius: 0;
    border: none;
  }
  .loan-app-header {
    padding: 0.95rem 1.15rem;
  }
  .loan-app-header__logo {
    height: 38px;
  }
  .loan-app-header__title {
    font-size: 0.98rem;
  }
  .loan-app-header__sub {
    font-size: 0.72rem;
  }
  .loan-app-tab {
    padding: 0.75rem 0.95rem;
    font-size: 0.82rem;
    gap: 0.4rem;
  }
  .loan-app-tab-num {
    width: 20px;
    height: 20px;
    font-size: 0.72rem;
  }
  .loan-app-form {
    padding: 1.15rem 1rem;
  }
  .loan-fieldset {
    padding: 1rem;
    margin-bottom: 1.25rem;
  }
  .app-type-chips {
    grid-template-columns: 1fr;
  }
}