/* ==========================================================================
   MyLendIQ — Design Tokens
   Navy/gold classic-finance palette, grounded with a teal "data" accent that
   carries the AI/data-driven thread through the site without leaning on a
   generic robot-badge aesthetic.
   ========================================================================== */

:root {
  /* Color */
  --navy-deep:   #0A1930;
  --navy:        #0F2340;
  --navy-soft:   #1A3358;
  --white:       #FFFFFF;
  --mist:        #EEF2F6;
  --mist-line:   #DCE3EA;
  --slate:       #33404F;
  --slate-soft:  #6B7686;
  --gold:        #B8935A;
  --gold-light:  #D4B483;
  --gold-dim:    #8C6D3E;
  --teal:        #1D6F76;
  --teal-light:  #DCEDEE;

  /* Type */
  --font-display: "Fraunces", Georgia, serif;
  --font-body:    "Inter", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono:    "IBM Plex Mono", "SFMono-Regular", monospace;

  /* Scale */
  --step-0: clamp(1rem, 0.95rem + 0.2vw, 1.0625rem);
  --step-1: clamp(1.2rem, 1.1rem + 0.4vw, 1.375rem);
  --step-2: clamp(1.5rem, 1.3rem + 0.8vw, 1.875rem);
  --step-3: clamp(2rem, 1.6rem + 1.6vw, 2.75rem);
  --step-4: clamp(2.6rem, 2rem + 2.6vw, 4rem);

  /* Layout */
  --max-w: 1200px;
  --edge: clamp(1.25rem, 4vw, 3rem);
  --radius: 2px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--slate);
  background: var(--white);
  font-size: var(--step-0);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
}

img, svg { display: block; max-width: 100%; }

a { color: inherit; text-decoration: none; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  margin: 0;
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.01em;
}

p { margin: 0; }

.wrap {
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--edge);
}

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal);
  display: inline-flex;
  align-items: center;
  gap: 0.6em;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 1px;
  background: var(--teal);
  display: inline-block;
}

/* Focus visibility */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 3px;
}

/* ==========================================================================
   Header
   ========================================================================== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--mist-line);
}

.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.01em;
  display: flex;
  align-items: baseline;
  gap: 2px;
}
.logo .iq { color: var(--teal); font-style: italic; }
.logo .dot { color: var(--gold); }

.main-nav {
  display: flex;
  align-items: center;
  gap: 2.1rem;
}

.main-nav a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--slate);
  position: relative;
  padding: 0.3rem 0;
  transition: color 0.15s ease;
}
.main-nav a:hover { color: var(--navy); }
.main-nav a.active { color: var(--navy); }
.main-nav a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--gold);
}

.nav-cta {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background: var(--navy);
  color: var(--white) !important;
  padding: 0.7rem 1.15rem;
  border-radius: var(--radius);
  transition: background 0.15s ease;
  white-space: nowrap;
}
.nav-cta:hover { background: var(--gold-dim); }

.apply-cta {
  background: var(--gold) !important;
  color: var(--navy-deep) !important;
}
.apply-cta:hover { background: var(--gold-light) !important; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  margin: 5px 0;
  transition: transform 0.2s ease, opacity 0.2s ease;
}

@media (max-width: 860px) {
  .main-nav { position: fixed; inset: 76px 0 0 0; background: var(--white); flex-direction: column; align-items: flex-start; padding: 2rem var(--edge); gap: 1.5rem; transform: translateX(100%); transition: transform 0.25s ease; overflow-y: auto; }
  .main-nav.open { transform: translateX(0); }
  .main-nav a { font-size: 1.1rem; }
  .nav-cta { margin-top: 0.5rem; }
  .nav-toggle { display: block; }
}

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.94rem;
  padding: 0.9rem 1.6rem;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease, color 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }

.btn-gold { background: var(--gold); color: var(--navy-deep); }
.btn-gold:hover { background: var(--gold-light); }

.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }

.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn-outline-light:hover { background: var(--white); color: var(--navy); }

.btn-arrow::after { content: "→"; }

/* ==========================================================================
   Hero
   ========================================================================== */

.hero {
  padding: clamp(3rem, 6vw, 5.5rem) 0 0;
  background: linear-gradient(180deg, var(--white) 0%, var(--mist) 100%);
}

.hero .wrap {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
  padding-bottom: clamp(2.5rem, 5vw, 4rem);
}

.hero h1 {
  font-size: var(--step-4);
  margin-top: 0.9rem;
}
.hero h1 em {
  font-style: italic;
  color: var(--teal);
}

.hero-sub {
  margin-top: 1.4rem;
  font-size: 1.08rem;
  color: var(--slate-soft);
  max-width: 46ch;
}

.hero-actions {
  margin-top: 2rem;
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.hero-note {
  margin-top: 1.4rem;
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--slate-soft);
  letter-spacing: 0.02em;
}

@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; }
}

/* Dashboard mock panel */
.panel {
  background: var(--navy);
  border-radius: 6px;
  padding: 1.6rem;
  box-shadow: 0 30px 60px -20px rgba(10,25,48,0.45);
  position: relative;
}
.panel-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  padding-bottom: 1rem;
  margin-bottom: 1.1rem;
}
.panel-head span {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal-light);
  opacity: 0.85;
}
.panel-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold-light); display: inline-block; margin-right: 6px; }

.panel-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.85rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.panel-row:last-child { border-bottom: none; }
.panel-row-label { color: var(--white); font-size: 0.9rem; font-weight: 500; }
.panel-row-meta { font-family: var(--font-mono); font-size: 0.72rem; color: var(--gold-light); letter-spacing: 0.04em; }

.panel-bar {
  height: 5px;
  border-radius: 3px;
  background: rgba(255,255,255,0.1);
  overflow: hidden;
  margin-top: 0.5rem;
}
.panel-bar > span {
  display: block;
  height: 100%;
  background: linear-gradient(90deg, var(--teal), var(--gold-light));
  border-radius: 3px;
}

.panel-foot {
  margin-top: 1.2rem;
  font-family: var(--font-mono);
  font-size: 0.68rem;
  color: rgba(255,255,255,0.4);
  letter-spacing: 0.02em;
}

/* ==========================================================================
   Ticker (signature element)
   ========================================================================== */

.ticker {
  background: var(--navy-deep);
  overflow: hidden;
  border-top: 1px solid rgba(255,255,255,0.08);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.ticker-track {
  display: flex;
  width: max-content;
  animation: scroll-left 38s linear infinite;
}
.ticker-track span {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--teal-light);
  padding: 0.85rem 2.5rem;
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 0.7rem;
}
.ticker-track span::before {
  content: "";
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--gold);
  display: inline-block;
}
@keyframes scroll-left {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .ticker-track { animation: none; overflow-x: auto; }
}

/* ==========================================================================
   Trust bar
   ========================================================================== */

.trust-bar {
  background: var(--mist);
  border-bottom: 1px solid var(--mist-line);
  padding: 1.5rem 0;
}
.trust-bar .wrap {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem 2.5rem;
  align-items: center;
  justify-content: center;
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.04em;
  color: var(--slate-soft);
  text-transform: uppercase;
  text-align: center;
}
.trust-bar strong { color: var(--navy); font-weight: 600; }

/* ==========================================================================
   Sections generic
   ========================================================================== */

section { padding: clamp(3.5rem, 7vw, 6rem) 0; }
.section-head { max-width: 62ch; margin-bottom: clamp(2.2rem, 4vw, 3.2rem); }
.section-head h2 { font-size: var(--step-3); margin-top: 0.8rem; }
.section-head p { margin-top: 1rem; color: var(--slate-soft); font-size: 1.03rem; }

.bg-mist { background: var(--mist); }
.bg-navy { background: var(--navy); color: var(--white); }
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }

/* Card grid */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
@media (max-width: 900px) { .grid-3 { grid-template-columns: 1fr; } }

.card {
  background: var(--white);
  border: 1px solid var(--mist-line);
  padding: 2rem;
  border-radius: 4px;
}
.card-icon {
  width: 42px; height: 42px;
  margin-bottom: 1.4rem;
}
.card h3 { font-size: 1.2rem; margin-bottom: 0.7rem; }
.card p { color: var(--slate-soft); font-size: 0.95rem; }

/* Process timeline */
.timeline {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1.5rem;
  counter-reset: step;
}
@media (max-width: 900px) { .timeline { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .timeline { grid-template-columns: 1fr; } }

.step {
  position: relative;
  padding-top: 2.6rem;
  border-top: 2px solid var(--mist-line);
}
.step-num {
  position: absolute;
  top: -0.72rem; left: 0;
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--white);
  background: var(--teal);
  width: 26px; height: 26px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
}
.step h4 { font-size: 1.02rem; margin-bottom: 0.5rem; }
.step p { font-size: 0.88rem; color: var(--slate-soft); }
.step-tag {
  display: inline-block;
  margin-top: 0.7rem;
  font-family: var(--font-mono);
  font-size: 0.65rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold-dim);
  background: rgba(184,147,90,0.12);
  padding: 0.2rem 0.5rem;
  border-radius: 2px;
}

/* CTA band */
.cta-band {
  background: var(--navy);
  color: var(--white);
  text-align: center;
}
.cta-band h2 { color: var(--white); font-size: var(--step-3); }
.cta-band p { color: rgba(255,255,255,0.7); margin-top: 0.9rem; max-width: 52ch; margin-inline: auto; }
.cta-band .hero-actions { justify-content: center; margin-top: 2rem; }

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.75);
  padding: clamp(3rem, 6vw, 4.5rem) 0 2rem;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1.2fr;
  gap: 2.5rem;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

.footer-grid h4 {
  color: var(--white);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
  font-weight: 500;
}
.footer-grid a { display: block; margin-bottom: 0.6rem; color: rgba(255,255,255,0.7); transition: color 0.15s ease; }
.footer-grid a:hover { color: var(--gold-light); }
.footer-logo { font-family: var(--font-display); font-size: 1.3rem; color: var(--white); margin-bottom: 0.8rem; }
.footer-logo .iq { color: var(--teal-light); font-style: italic; }
.footer-tagline { color: rgba(255,255,255,0.55); font-size: 0.88rem; max-width: 32ch; }

.footer-legal {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.12);
  font-size: 0.76rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.45);
}
.footer-legal p { margin-bottom: 0.7rem; }
.footer-legal strong { color: rgba(255,255,255,0.7); }
.footer-legal a { text-decoration: underline; color: rgba(255,255,255,0.55); display: inline; margin: 0; }
.footer-legal a:hover { color: var(--gold-light); }

.eho {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  margin-top: 1rem;
  color: rgba(255,255,255,0.55);
  font-size: 0.76rem;
}

/* ==========================================================================
   Page header (interior pages)
   ========================================================================== */

.page-header {
  background: var(--mist);
  padding: clamp(2.8rem, 6vw, 4rem) 0;
  border-bottom: 1px solid var(--mist-line);
}
.page-header h1 { font-size: var(--step-3); margin-top: 0.7rem; }
.page-header p { margin-top: 0.9rem; color: var(--slate-soft); max-width: 58ch; }

/* Form */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
}
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 0.45rem; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 0.82rem; font-weight: 600; color: var(--navy); }
.field input, .field select, .field textarea {
  font-family: var(--font-body);
  font-size: 0.95rem;
  padding: 0.8rem 0.9rem;
  border: 1px solid var(--mist-line);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--slate);
}
.field textarea { resize: vertical; min-height: 110px; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--teal); }
.form-note { font-size: 0.8rem; color: var(--slate-soft); margin-top: 1.2rem; }
.form-status { margin-top: 1rem; font-size: 0.88rem; font-weight: 600; display: none; }
.form-status.show { display: block; }

/* Contact info list */
.info-list { display: flex; flex-direction: column; gap: 1.4rem; }
.info-item .eyebrow { margin-bottom: 0.4rem; }
.info-item p, .info-item a { font-size: 1.05rem; color: var(--navy); font-weight: 500; }

/* License grid */
.license-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
@media (max-width: 700px) { .license-grid { grid-template-columns: 1fr; } }
.license-card {
  border: 1px solid var(--mist-line);
  padding: 1.6rem 1.8rem;
  border-radius: 4px;
  background: var(--white);
}
.license-card h4 { font-size: 1rem; margin-bottom: 0.6rem; }
.license-card p { font-family: var(--font-mono); font-size: 0.82rem; color: var(--slate-soft); line-height: 1.8; }
.license-card.with-logo {
  display: flex;
  align-items: center;
  gap: 1.6rem;
}
.license-card.with-logo h4 { margin-bottom: 0.4rem; }
.license-logo {
  width: 132px;
  height: 132px;
  border-radius: 8px;
  object-fit: cover;
  border: 1px solid var(--mist-line);
  flex-shrink: 0;
}
@media (max-width: 560px) {
  .license-card.with-logo { flex-direction: column; align-items: flex-start; gap: 1rem; }
  .license-logo { width: 110px; height: 110px; }
}

/* Utility */
.mt-lg { margin-top: 3rem; }
.center { text-align: center; }
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; } }

/* ==========================================================================
   Compliance bar (fixed, always present)
   ========================================================================== */

body { padding-bottom: 64px; }

.compliance-bar {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 60;
  height: 64px;
  background: var(--navy-deep);
  border-top: 1px solid rgba(255,255,255,0.1);
  overflow: hidden;
}
.compliance-track {
  display: flex;
  align-items: center;
  height: 100%;
  width: max-content;
  animation: scroll-left 52s linear infinite;
}
.compliance-track span {
  font-family: var(--font-mono);
  font-size: 0.86rem;
  letter-spacing: 0.02em;
  color: rgba(255,255,255,0.75);
  white-space: nowrap;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  gap: 0.7rem;
}
.compliance-track span::before {
  content: "";
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--gold-light);
  display: inline-block;
}
.compliance-track a { color: rgba(255,255,255,0.85); text-decoration: underline; }
@media (prefers-reduced-motion: reduce) {
  .compliance-track { animation: none; overflow-x: auto; }
}

/* ==========================================================================
   Wizard / Scenario Tool
   ========================================================================== */

.wizard-hero {
  background: linear-gradient(180deg, var(--white) 0%, var(--mist) 100%);
  padding: clamp(2.4rem, 6vw, 3.6rem) 0 2rem;
  border-bottom: 1px solid var(--mist-line);
}
.wizard-hero .wrap { max-width: 760px; }
.wizard-hero h1 { font-size: var(--step-3); margin-top: 0.7rem; }
.wizard-hero p { margin-top: 0.9rem; color: var(--slate-soft); max-width: 58ch; }

.wizard-shell {
  max-width: 760px;
  margin-inline: auto;
  padding: clamp(2rem, 5vw, 3rem) var(--edge) 3rem;
}

.wizard-progress {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  margin-bottom: 2.2rem;
}
.wizard-progress .seg {
  flex: 1;
  height: 3px;
  background: var(--mist-line);
  border-radius: 2px;
  overflow: hidden;
}
.wizard-progress .seg > span {
  display: block;
  height: 100%;
  width: 0%;
  background: var(--teal);
  transition: width 0.3s ease;
}
.wizard-progress .seg.done > span { width: 100%; }
.wizard-progress .seg.current > span { width: 55%; }

.wizard-step-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.6rem;
  display: block;
}

.wizard-card {
  background: var(--white);
  border: 1px solid var(--mist-line);
  border-radius: 8px;
  padding: clamp(1.6rem, 4vw, 2.4rem);
}
.wizard-card h2 { font-size: var(--step-2); margin-bottom: 0.5rem; }
.wizard-card .wizard-sub { color: var(--slate-soft); font-size: 0.95rem; margin-bottom: 1.8rem; }

.option-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.85rem;
}
.option-grid.single-col { grid-template-columns: 1fr; }
@media (max-width: 560px) { .option-grid { grid-template-columns: 1fr; } }

.option-card {
  border: 1px solid var(--mist-line);
  border-radius: 6px;
  padding: 1rem 1.1rem;
  cursor: pointer;
  display: flex;
  align-items: flex-start;
  gap: 0.8rem;
  transition: border-color 0.15s ease, background 0.15s ease;
  background: var(--white);
}
.option-card:hover { border-color: var(--teal); }
.option-card.selected { border-color: var(--teal); background: var(--teal-light); }
.option-card .mark {
  width: 18px; height: 18px;
  border-radius: 50%;
  border: 1.5px solid var(--mist-line);
  flex-shrink: 0;
  margin-top: 2px;
  position: relative;
  background: var(--white);
}
.option-card.selected .mark { border-color: var(--teal); background: var(--teal); }
.option-card.selected .mark::after {
  content: "";
  position: absolute;
  left: 5px; top: 2px;
  width: 4px; height: 8px;
  border: solid var(--white);
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}
.option-card.checkbox .mark { border-radius: 4px; }
.option-card .opt-label { font-size: 0.94rem; font-weight: 600; color: var(--navy); }
.option-card .opt-meta { font-size: 0.82rem; color: var(--slate-soft); margin-top: 0.15rem; }

.wizard-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 2.2rem;
}
.wizard-hint {
  font-size: 0.8rem;
  color: var(--slate-soft);
  margin-top: 1rem;
}
.wizard-error {
  font-size: 0.82rem;
  color: #A32D2D;
  margin-top: 0.8rem;
  display: none;
}
.wizard-error.show { display: block; }

.consent-note {
  font-size: 0.78rem;
  color: var(--slate-soft);
  margin-top: 1.6rem;
  line-height: 1.6;
}

/* Results */
.results-summary {
  background: var(--navy);
  color: var(--white);
  border-radius: 8px;
  padding: 1.8rem;
  margin-bottom: 1.8rem;
}
.results-summary .eyebrow { color: var(--teal-light); }
.results-summary .eyebrow::before { background: var(--teal-light); }
.results-summary h2 { color: var(--white); margin-top: 0.6rem; font-size: var(--step-2); }
.results-summary p { color: rgba(255,255,255,0.7); margin-top: 0.7rem; font-size: 0.94rem; }

.program-list { display: flex; flex-direction: column; gap: 0.9rem; }
.program-card {
  border: 1px solid var(--mist-line);
  border-radius: 6px;
  padding: 1.2rem 1.4rem;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  flex-wrap: wrap;
}
.program-card h4 { font-size: 1.02rem; margin-bottom: 0.35rem; }
.program-card p { font-size: 0.86rem; color: var(--slate-soft); max-width: 46ch; }
.match-badge {
  font-family: var(--font-mono);
  font-size: 0.65rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.3rem 0.65rem;
  border-radius: 20px;
  white-space: nowrap;
  flex-shrink: 0;
}
.match-strong { background: rgba(29,111,118,0.12); color: var(--teal); }
.match-possible { background: rgba(184,147,90,0.14); color: var(--gold-dim); }
.match-explore { background: var(--mist); color: var(--slate-soft); }

.loading-note {
  display: none;
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--slate-soft);
  margin-top: 1rem;
}
.loading-note.show { display: block; }

/* ==========================================================================
   Credential bar (brokerage logos, sits above the main header)
   ========================================================================== */

.credential-bar {
  background: var(--white);
  border-bottom: 1px solid var(--mist-line);
}
.credential-bar .wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 2.2rem 3.2rem;
  padding-block: 1rem;
}
.credential-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.credential-logo {
  width: 72px;
  height: 72px;
  border-radius: 8px;
  object-fit: cover;
  border: 1px solid var(--mist-line);
  flex-shrink: 0;
}
.credential-text {
  display: flex;
  flex-direction: column;
  line-height: 1.4;
}
.credential-text strong {
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
}
.credential-text span {
  font-family: var(--font-mono);
  font-size: 0.8rem;
  color: var(--slate-soft);
  letter-spacing: 0.01em;
}
@media (max-width: 560px) {
  .credential-bar .wrap { gap: 1.2rem 1.6rem; padding-block: 0.85rem; }
  .credential-logo { width: 56px; height: 56px; }
  .credential-text strong { font-size: 0.88rem; }
  .credential-text span { font-size: 0.72rem; }
}

/* Compliance bar logo thumbnails */
.compliance-track .clogo {
  width: 34px;
  height: 34px;
  border-radius: 5px;
  object-fit: cover;
  margin-right: 4px;
  vertical-align: -3px;
}