/* ================================================================
   OLD MUTUAL FINANCE – PERSONAL LOAN LANDING PAGE
   ================================================================ */

/* ----------------------------------------------------------------
   CUSTOM PROPERTIES
   ---------------------------------------------------------------- */
:root {
    --green:          #009B73;
    --green-dark:     #007d5c;
    --dark:           #1a1a2e;
    --text:           #333;
    --text-light:     #666;
    --text-muted:     #999;
    --white:          #fff;
    --border:         #d9dce0;
    --error:          #d63031;
    --error-bg:       #ffeaea;
    --overlay-hero:   rgba(26, 26, 46, 0.70);
    --overlay-banner: rgba(0, 0, 0, 0.65);
    --font:           "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    --max-w:          1140px;
    --px:             24px;
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font);
    font-size: 15px;
    line-height: 1.6;
    color: var(--text);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}

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

.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;
}
a   { color: inherit; }
ul  { list-style: none; }
.mobile-br { display: none; }

h1, h2, h3, h4 {
    line-height: 1.2;
    font-weight: 700;
}

input, select, button, textarea {
    font-family: inherit;
    font-size: inherit;
}

/* Shared container */
.container {
    width: 100%;
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 var(--px);
}

/* ----------------------------------------------------------------
   HERO SECTION
   ---------------------------------------------------------------- */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    padding: 40px 0 60px;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background: url("../assets/images/hero-bg.webp") 100% 10% / 140% no-repeat;
    z-index: 0;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.55);
    z-index: 1;
}

.hero-logo {
    position: absolute;
    top: 24px;
    left: 32px;
    width: 80px;
    height: auto;
    z-index: 3;
}

.hero-container {
    position: relative;
    z-index: 2;
    width: 100%;
    max-width: 1600px;
    margin: 0 auto;
    padding: 0 var(--px);
    display: grid;
    grid-template-columns: 60fr 40fr;
    gap: 48px;
    align-items: center;
}

.hero-left {
    color: var(--white);
    padding-top: 40px;
}

.hero-heading {
    font-size: 4.5rem;
    font-weight: 700;
    line-height: 1.05;
    margin-bottom: 24px;
    color: var(--white);
    letter-spacing: -0.02em;
}

.hero-sub {
    font-size: 1.6rem;
    line-height: 1.5;
    opacity: 0.9;
    max-width: 580px;
}

/* ----------------------------------------------------------------
   LEAD FORM CARD
   ---------------------------------------------------------------- */
.form-card {
    padding: 24px 20px 20px;
    justify-self: end;
    max-width: 500px;
    background: transparent;
    border: none;
    border-radius: 0;
}

.form-intro {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 16px;
    line-height: 1.6;
}

/* Two-column row (Name + Surname) */
.field-row {
    display: flex;
    gap: 12px;
}

.field-row .field {
    flex: 1;
}

/* Individual field wrapper */
.field {
    position: relative;
    margin-bottom: 10px;
}

.field input,
.field select {
    width: 100%;
    height: 46px;
    padding: 10px 14px;
    border: 1px solid var(--border);
    border-radius: 0;
    background: #fff;
    color: var(--text);
    font-size: 15px;
    font-weight: 500;
    outline: none;
    appearance: none;
    -webkit-appearance: none;
}

.field input::placeholder {
    color: var(--text-muted);
    font-weight: 400;
}

.field select {
    cursor: pointer;
    color: var(--text-muted);
    background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23999' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}

.field select.has-value {
    color: var(--text);
}

.field input:focus,
.field select:focus {
    border-color: var(--green);
    background-color: var(--white);
}

.field input:hover,
.field select:hover {
    border-color: rgba(0, 155, 115, 0.4);
}

/* Field error state */
.field--error input,
.field--error select {
    border-color: #ff6b6b;
    background-color: #fff;
}

.form-group__error {
    display: block;
    min-height: 0;
    font-size: 11.5px;
    font-weight: 500;
    color: #ff6b6b;
    padding-top: 3px;
    padding-left: 2px;
}

/* ----------------------------------------------------------------
   APPLY NOW BUTTON
   ---------------------------------------------------------------- */
.btn-apply {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 60%;
    height: 48px;
    border: none;
    border-radius: 100px;
    background: var(--green);
    color: var(--white);
    font-size: 16px;
    font-weight: 700;
    letter-spacing: 0.1em;
    cursor: pointer;
    margin-top: 16px;
}

.btn-apply:hover {
    background: var(--green-dark);
}

/* Loading state */
.btn--loading {
    pointer-events: none;
    opacity: 0.85;
}

.btn__spinner {
    display: none;
    animation: spin 0.8s linear infinite;
}

.btn--loading .btn__text    { display: none; }
.btn--loading .btn__spinner { display: inline-flex; }

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

/* ----------------------------------------------------------------
   CONSENT SECTION
   ---------------------------------------------------------------- */
.consent-section {
    margin-top: 14px;
}

.consent-heading {
    font-size: 12px;
    font-weight: 600;
    color: var(--white);
    margin-bottom: 8px;
}

.consent-row {
    display: flex;
    gap: 10px;
    align-items: flex-start;
}

/* Hide the native checkbox */
.consent-row input[type="checkbox"] {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0;
}

/* Checkbox-style indicator */
.consent-circle {
    cursor: pointer;
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    border: 2px solid rgba(255, 255, 255, 0.6);
    border-radius: 4px;
    position: relative;
    margin-top: 2px;
    transition: background-color 180ms ease, border-color 180ms ease;
}

.consent-circle::after {
    content: "";
    position: absolute;
    top: 3px;
    left: 6px;
    width: 5px;
    height: 10px;
    border: solid var(--white);
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
    opacity: 0;
    transition: opacity 180ms ease;
}

.consent-row input[type="checkbox"]:checked ~ .consent-circle {
    border-color: var(--green);
    background: var(--green);
}

.consent-row input[type="checkbox"]:checked ~ .consent-circle::after {
    opacity: 1;
}

.consent-row input[type="checkbox"]:focus-visible ~ .consent-circle {
    border-color: var(--green);
}

.consent-text {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.9);
    line-height: 1.55;
}

.consent__error {
    display: block;
    margin-top: 4px;
}

/* Consent error state */
.consent-section--error .consent-circle {
    border-color: var(--error);
}

.privacy-text {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.85);
    margin-top: 6px;
}

.privacy-link {
    display: inline;
    font-size: 11px;
    color: var(--white);
    text-decoration: none;
    transition: color 180ms ease;
}

.privacy-link:hover {
    color: rgba(255, 255, 255, 0.7);
}

/* ----------------------------------------------------------------
   THANK YOU STATE
   ---------------------------------------------------------------- */
.thank-you {
    text-align: center;
    padding: 48px 16px;
}

.thank-you svg {
    margin-bottom: 24px;
}

.thank-you h3 {
    font-size: 1.75rem;
    color: var(--white);
    margin-bottom: 10px;
}

.thank-you p {
    font-size: 15px;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.65;
    max-width: 340px;
    margin: 0 auto;
}

/* ----------------------------------------------------------------
   FEATURES SECTION
   ---------------------------------------------------------------- */
.features {
    padding: 72px 0;
    background: var(--white);
    min-height: 80vh;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.features-heading {
    text-align: center;
    font-size: 3.25rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 20px;
}

.features-sub {
    text-align: center;
    color: var(--text-light);
    max-width: 1100px;
    margin: 0 auto 64px;
    line-height: 1.7;
    font-size: 1.4rem;
}

.features-grid {
    display: grid;
    grid-template-columns: 1.3fr 1.3fr 1.3fr;
    gap: 48px;
}

.feature {
    text-align: center;
    padding: 28px 24px;
}

.feature-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 26px;
}

.feature-icon img {
    width: 76px;
    height: 76px;
}

.feature-title {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 12px;
}

.feature-text {
    font-size: 1.25rem;
    color: var(--text-light);
    line-height: 1.7;
}

/* ----------------------------------------------------------------
   BANNER SECTION
   ---------------------------------------------------------------- */
.banner {
    position: relative;
    min-height: 66vh;
    display: flex;
    align-items: center;
    overflow: hidden;
}

.banner-bg {
    position: absolute;
    inset: 0;
    background: url("../assets/images/banner-bg.webp") center 8% / cover no-repeat;
    z-index: 0;
}

.banner-overlay {
    position: absolute;
    inset: 0;
    background: var(--overlay-banner);
    z-index: 1;
}

.banner-inner {
    position: relative;
    z-index: 2;
    text-align: center;
    padding: 56px var(--px);
}

.banner-text {
    color: var(--white);
    font-size: 1.7rem;
    font-weight: 600;
    line-height: 1.7;
    max-width: 52vw;
    margin: 0 auto;
}

/* ----------------------------------------------------------------
   APPLY / QUALIFY SECTION
   ---------------------------------------------------------------- */
.apply {
    padding: 72px 0;
    background: var(--white);
    min-height: 80vh;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.apply-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
}

.apply-heading {
    font-size: 3.25rem;
    color: var(--text);
    margin-bottom: 24px;
}

.apply-lead {
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 10px;
}

.apply-list {
    margin-bottom: 28px;
}

.apply-list li {
    position: relative;
    padding-left: 24px;
    margin-bottom: 8px;
    font-size: 1.2rem;
    color: var(--text-light);
    white-space: nowrap;
}

.apply-list li::before {
    content: "\2022";
    position: absolute;
    left: 2px;
    top: 0;
    color: var(--text-light);
    font-size: 1.1em;
}

.qualify-heading {
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 16px;
}

/* Steps (right column) */
.apply-right {
    display: flex;
    flex-direction: column;
    gap: 0;
    padding: 32px;
    border: 1.9px solid var(--green);
    border-radius: 24px;
}

.step {
    display: flex;
    align-items: flex-start;
    gap: 18px;
    position: relative;
    padding-bottom: 32px;
}

.step:last-child {
    padding-bottom: 0;
}

/* Connecting line between steps — disabled */

.step-num {
    flex-shrink: 0;
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: var(--green);
    color: var(--white);
    font-size: 1.75rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    z-index: 1;
}

.step > div {
    padding-top: 8px;
}

.step-title {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 6px;
}

.step-text {
    font-size: 1.25rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* ----------------------------------------------------------------
   FOOTER
   ---------------------------------------------------------------- */
.footer {
    background: #f0f0f0;
    padding: 36px 0;
    text-align: center;
    border-top: 1px solid #e0e0e0;
}

.footer-copy {
    font-size: 14px;
    color: var(--text-light);
    margin-bottom: 12px;
}

.footer-copy a {
    text-decoration: underline;
    text-underline-offset: 2px;
    margin: 0 3px;
    transition: color 180ms ease;
}

.footer-copy a:hover {
    color: var(--green);
}

.footer-copy .thinkmoney-link {
    color: #199dd5;
    font-weight: 700;
}

.footer-legal {
    font-size: 13px;
    color: var(--text-muted);
    max-width: 840px;
    margin: 0 auto;
    line-height: 1.6;
}

/* ----------------------------------------------------------------
   RESPONSIVE – TABLET
   ---------------------------------------------------------------- */
@media (max-width: 1024px) {
    .hero {
        padding: 90px 0 50px;
    }

    .hero-container {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .hero-left {
        text-align: center;
        padding-top: 40px;
    }

    .hero-sub {
        margin: 0 auto;
    }

    .form-card {
        max-width: 500px;
        margin: 0 auto;
    }

    .hero-logo {
        top: 20px;
        left: 24px;
        width: 52px;
    }

    .features-grid {
        gap: 20px;
    }

    .apply-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

/* ----------------------------------------------------------------
   RESPONSIVE – MOBILE
   ---------------------------------------------------------------- */
@media (max-width: 768px) {
    :root {
        --px: 18px;
    }

    /* Hero */
    .hero {
        padding: 60px 0 40px;
        min-height: auto;
    }

    .hero-bg {
        background-size: cover;
        background-position: 70% 60%;
    }

    .hero-logo {
        top: 16px;
        left: 50%;
        transform: translateX(-50%);
        width: 48px;
    }

    .hero-heading {
        font-size: 1.75rem;
    }

    .hero-sub {
        font-size: 15px;
    }

    .form-card {
        padding: 20px 16px 16px;
        border-radius: 0;
        max-width: 100%;
    }

    .btn-apply {
        width: 100%;
        height: 46px;
        font-size: 15px;
    }

    /* Features */
    .features {
        padding: 48px 0;
        min-height: auto;
    }

    .features-grid {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .features-heading {
        font-size: 1.375rem;
    }

    .mobile-br {
        display: block;
    }

    .features-sub {
        font-size: 1rem;
        margin-bottom: 36px;
    }

    .feature {
        padding: 20px 16px;
    }

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

    .feature-icon img {
        width: 56px;
        height: 56px;
    }

    .feature-title {
        font-size: 1.25rem;
        margin-bottom: 8px;
    }

    .feature-text {
        font-size: 1rem;
    }

    /* Banner */
    .banner {
        min-height: 240px;
    }

    .banner-text {
        font-size: 15px;
        max-width: 90%;
        line-height: 1.6;
    }

    /* Apply / Qualify */
    .apply {
        padding: 48px 0;
        min-height: auto;
    }

    .apply-heading {
        font-size: 1.5rem;
        text-align: center;
    }

    .apply-lead {
        font-size: 1.25rem;
        text-align: left;
        padding-left: 5%;
    }

    .qualify-heading {
        font-size: 1.25rem;
        text-align: left;
        padding-left: 5%;
    }

    .apply-list {
        text-align: left;
        max-width: 85%;
        margin-left: auto;
        margin-right: auto;
    }

    .apply-left {
        text-align: center;
    }

    .apply-list li {
        font-size: 1rem;
        white-space: normal;
    }

    .apply-grid {
        gap: 32px;
    }

    .apply-right {
        padding: 24px 20px;
        border-radius: 18px;
    }

    .step {
        padding-bottom: 24px;
    }

    .step-num {
        width: 48px;
        height: 48px;
        font-size: 1.25rem;
    }

    .step-title {
        font-size: 1.25rem;
    }

    .step-text {
        font-size: 1rem;
    }

    /* Footer */
    .footer {
        padding: 20px 0;
    }
}

/* ----------------------------------------------------------------
   RESPONSIVE – SMALL MOBILE
   ---------------------------------------------------------------- */
@media (max-width: 400px) {
    .hero-heading {
        font-size: 1.35rem;
    }

    .field-row {
        flex-direction: column;
        gap: 0;
    }

    .form-card {
        padding: 16px 12px 14px;
        border-radius: 0;
    }

    .field input,
    .field select {
        height: 42px;
        font-size: 14px;
    }

    .btn-apply {
        height: 42px;
        font-size: 14px;
    }

    /* Features */
    .features-heading {
        font-size: 1.2rem;
    }

    .features-sub {
        font-size: 0.9rem;
    }

    .feature {
        padding: 16px 12px;
    }

    .feature-icon img {
        width: 44px;
        height: 44px;
    }

    .feature-title {
        font-size: 1.1rem;
    }

    .feature-text {
        font-size: 0.9rem;
    }

    /* Banner */
    .banner-text {
        max-width: 95%;
        font-size: 14px;
    }

    /* Apply / Qualify */
    .apply-heading {
        font-size: 1.2rem;
    }

    .apply-lead {
        font-size: 1.1rem;
    }

    .qualify-heading {
        font-size: 1.1rem;
    }

    .apply-right {
        padding: 20px 16px;
    }

    .step {
        gap: 14px;
        padding-bottom: 20px;
    }

    .step-num {
        width: 40px;
        height: 40px;
        font-size: 1.1rem;
    }

    .step-title {
        font-size: 1.1rem;
    }

    .step-text {
        font-size: 0.9rem;
    }
}

/* ----------------------------------------------------------------
   PRIVACY POLICY / TERMS & CONDITIONS PAGES
   ---------------------------------------------------------------- */
.privacy-page,
.terms-page {
    background: var(--white);
}

/* Header */
.pp-header {
    background: var(--dark);
    padding: 16px 0;
    border-bottom: 3px solid var(--green);
}

.pp-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.pp-logo-link {
    display: flex;
    align-items: center;
}

.pp-logo {
    width: 48px;
    height: auto;
}

.pp-back-link {
    font-size: 14px;
    font-weight: 600;
    color: var(--white);
    text-decoration: none;
    transition: color 180ms ease;
}

.pp-back-link:hover {
    color: var(--green);
}

/* Main content */
.pp-content {
    padding: 56px 0 72px;
}

.pp-title {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 8px;
}

.pp-last-updated {
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 32px;
}

.pp-intro {
    font-size: 1.1rem;
    color: var(--text-light);
    line-height: 1.7;
    margin-bottom: 40px;
    max-width: 800px;
}

.pp-section {
    margin-bottom: 40px;
}

.pp-heading {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 16px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--green);
    display: inline-block;
}

.pp-subheading {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--text);
    margin-top: 28px;
    margin-bottom: 12px;
}

.pp-section p {
    font-size: 1rem;
    color: var(--text-light);
    line-height: 1.7;
    max-width: 800px;
}

.pp-list {
    list-style: disc;
    padding-left: 24px;
    margin-bottom: 20px;
    max-width: 800px;
}

.pp-list li {
    font-size: 1rem;
    color: var(--text-light);
    line-height: 1.7;
    margin-bottom: 10px;
}

.pp-list li a {
    color: var(--green);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.pp-list li a:hover {
    color: var(--green-dark);
}

/* Footer current-page indicator */
.footer-current {
    font-size: inherit;
    color: var(--text-muted);
    margin: 0 3px;
}

/* Privacy Policy – Tablet */
@media (max-width: 1024px) {
    .pp-title {
        font-size: 2rem;
    }
}

/* Privacy Policy – Mobile */
@media (max-width: 768px) {
    .pp-content {
        padding: 40px 0 48px;
    }

    .pp-title {
        font-size: 1.75rem;
    }

    .pp-intro {
        font-size: 1rem;
    }

    .pp-heading {
        font-size: 1.25rem;
    }

    .pp-subheading {
        font-size: 1.1rem;
    }
}

/* Privacy Policy – Small Mobile */
@media (max-width: 400px) {
    .pp-header {
        padding: 12px 0;
    }

    .pp-logo {
        width: 40px;
    }

    .pp-back-link {
        font-size: 13px;
    }

    .pp-content {
        padding: 32px 0 40px;
    }

    .pp-title {
        font-size: 1.5rem;
    }

    .pp-heading {
        font-size: 1.15rem;
    }
}