/* ---------- CSS Variables ---------- */
:root {
    --primary: #1a3c8f; /* deep navy blue */
    --primary-dark: #122a6b;
    --primary-light: #2a52b8;
    --accent: #f5a623; /* warm amber */
    --accent-dark: #d4880a;
    --success: #22c55e;
    --danger: #ef4444;
    --text-dark: #1e2535;
    --text-muted: #6b7280;
    --text-light: #9ca3af;
    --bg-light: #f8faff;
    --bg-white: #ffffff;
    --border: #e5e7eb;
    --shadow-sm: 0 1px 3px rgba(0,0,0,.08);
    --shadow-md: 0 4px 16px rgba(26,60,143,.12);
    --shadow-lg: 0 12px 40px rgba(26,60,143,.18);
    --radius: 12px;
    --radius-sm: 8px;
    --radius-lg: 20px;
    --transition: all .25s ease;
    --font: 'Inter', sans-serif;
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font);
    color: var(--text-dark);
    background: var(--bg-light);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

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

    a:hover {
        color: var(--primary-light);
    }

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

ul {
    list-style: none;
}

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5 {
    line-height: 1.25;
    font-weight: 700;
}

h1 {
    font-size: clamp(2rem, 5vw, 3.2rem);
}

h2 {
    font-size: clamp(1.6rem, 3.5vw, 2.4rem);
}

h3 {
    font-size: clamp(1.2rem, 2.5vw, 1.6rem);
}

h4 {
    font-size: 1.1rem;
}

p {
    font-size: 1rem;
    padding-top: 5px;
    padding-bottom: 5px;
}

.section-label {
    display: inline-block;
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--accent);
    background: rgba(245,166,35,.12);
    border-radius: 50px;
    padding: 4px 14px;
    margin-bottom: 12px;
}

.section-title {
    color: var(--text-dark);
    margin-bottom: .75rem;
}

.section-sub {
    color: var(--text-muted);
    font-size: 1.05rem;
    max-width: 600px;
    margin: 0 auto 3rem;
}

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

/* ---------- Layout ---------- */
.container {
    width: 100%;
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 20px;
}

.section {
    padding: 80px 0;
}

.section-alt {
    background: var(--bg-white);
}

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: var(--radius);
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    border: none;
    transition: var(--transition);
    text-align: center;
}

.btn-primary {
    background: var(--primary);
    color: #fff;
    box-shadow: 0 4px 16px rgba(26,60,143,.3);
}

    .btn-primary:hover {
        background: var(--primary-dark);
        box-shadow: 0 6px 24px rgba(26,60,143,.4);
        transform: translateY(-1px);
        color: #fff;
    }

.btn-accent {
    background: var(--accent);
    color: #fff;
    box-shadow: 0 4px 16px rgba(245,166,35,.35);
}

    .btn-accent:hover {
        background: var(--accent-dark);
        transform: translateY(-1px);
        color: #fff;
    }

.btn-outline {
    background: transparent;
    border: 2px solid var(--primary);
    color: var(--primary);
}

    .btn-outline:hover {
        background: var(--primary);
        color: #fff;
    }

.btn-lg {
    padding: 16px 36px;
    font-size: 1.1rem;
}

.btn-sm {
    padding: 10px 18px;
    font-size: .9rem;
}

.btn-block {
    width: 100%;
    justify-content: center;
}

/* ---------- Header / Navbar ---------- */
.navbar {
    position: sticky;
    top: 0;
    z-index: 999;
    background: var(--bg-white);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
}

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 68px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--primary);
}

    .nav-logo span {
        color: var(--accent);
    }

.nav-logo-icon {
    width: 38px;
    height: 38px;
    background: var(--primary);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 1.1rem;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 35px;
}

    .nav-links a {
        font-size: .93rem;
        font-weight: 500;
        color: var(--text-dark);
        transition: var(--transition);
    }

        .nav-links a:hover, .nav-links a.active {
            color: var(--primary);
        }

.nav-actions {
    display: flex;
    align-items: center;
    gap: 12px;
}

.loginButton {
    color: var(--primary) !important;
}

    .loginButton:hover {
        color: #ffffff !important;
    }

.applyButton {
    color: #ffffff !important;
}

.nav-hamburger {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    font-size: 1.4rem;
    color: var(--text-dark);
}

/* ---------- Hero ---------- */
.hero {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 60%, #3a62d8 100%);
    color: #fff;
    padding: 100px 0 80px;
    position: relative;
    overflow: hidden;
}

    .hero::before {
        content: '';
        position: absolute;
        top: -120px;
        right: -120px;
        width: 500px;
        height: 500px;
        background: rgba(255,255,255,.05);
        border-radius: 50%;
    }

    .hero::after {
        content: '';
        position: absolute;
        bottom: -80px;
        left: -80px;
        width: 300px;
        height: 300px;
        background: rgba(255,255,255,.04);
        border-radius: 50%;
    }

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,.15);
    border: 1px solid rgba(255,255,255,.25);
    border-radius: 50px;
    padding: 6px 16px;
    font-size: .82rem;
    font-weight: 600;
    margin-bottom: 24px;
    backdrop-filter: blur(6px);
}

.hero h1 {
    color: #fff;
    margin-bottom: 16px;
}

.hero-sub {
    color: rgba(255,255,255,.85);
    font-size: 1.1rem;
    margin-bottom: 32px;
}

.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-trust {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
    margin-top: 36px;
}

.trust-chip {
    display: flex;
    align-items: center;
    gap: 7px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: 50px;
    padding: 6px 14px;
    font-size: .82rem;
    font-weight: 500;
    color: rgba(255,255,255,.9);
}

/* Hero card */
.hero-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-lg);
    position: relative;
    z-index: 1;
}

    .hero-card h3 {
        color: var(--text-dark);
        margin-bottom: 20px;
        font-size: 1.15rem;
    }

/* Quick calc in hero */
.hero-range-label {
    display: flex;
    justify-content: space-between;
    font-size: .82rem;
    color: var(--text-muted);
    margin-bottom: 4px;
}

.hero-slider {
    width: 100%;
    height: 6px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--border);
    border-radius: 50px;
    outline: none;
    margin-bottom: 16px;
}

    .hero-slider::-webkit-slider-thumb {
        -webkit-appearance: none;
        width: 22px;
        height: 22px;
        border-radius: 50%;
        background: var(--primary);
        cursor: pointer;
        box-shadow: 0 2px 8px rgba(26,60,143,.4);
    }

.hero-calc-summary {
    background: var(--bg-light);
    border-radius: var(--radius-sm);
    padding: 16px;
    margin-bottom: 20px;
}

.calc-row {
    display: flex;
    justify-content: space-between;
    padding: 6px 0;
    font-size: .9rem;
    border-bottom: 1px solid var(--border);
}

    .calc-row:last-child {
        border-bottom: none;
        font-weight: 700;
        color: var(--primary);
    }

    .calc-row span:first-child {
        color: var(--text-muted);
    }

/* ---------- Steps ---------- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.step-card {
    text-align: center;
    padding: 36px 24px;
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    position: relative;
}

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

.step-icon {
    width: 72px;
    height: 72px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    margin: 0 auto 20px;
    color: #fff;
}

.step-num {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 28px;
    height: 28px;
    background: var(--accent);
    color: #fff;
    border-radius: 50%;
    font-size: .78rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
}

.step-card h4 {
    color: var(--text-dark);
    margin-bottom: 10px;
}

/* ---------- Eligibility ---------- */
.eligibility-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start;
}

.elig-box {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 32px;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
}

    .elig-box h3 {
        color: var(--text-dark);
        margin-bottom: 20px;
        font-size: 1.1rem;
        border-bottom: 2px solid var(--primary);
        padding-bottom: 12px;
    }

.elig-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
}

    .elig-item:last-child {
        border-bottom: none;
    }

.elig-icon {
    width: 36px;
    height: 36px;
    background: rgba(26,60,143,.1);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    font-size: .9rem;
    flex-shrink: 0;
}

.elig-item-text h5 {
    font-size: .92rem;
    color: var(--text-dark);
    margin-bottom: 2px;
}

.elig-item-text p {
    font-size: .82rem;
    margin: 0;
}

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

.stat-card {
    text-align: center;
    padding: 32px 16px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: var(--radius-lg);
    backdrop-filter: blur(8px);
}

.stat-num {
    font-size: 2.4rem;
    font-weight: 800;
    color: #fff;
    display: block;
}

.stat-label {
    color: rgba(255,255,255,.8);
    font-size: .88rem;
}

.stats-section {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    padding: 64px 0;
}

/* ---------- Features ---------- */
.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.feature-card {
    padding: 28px;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--bg-white);
    transition: var(--transition);
}

    .feature-card:hover {
        border-color: var(--primary);
        box-shadow: var(--shadow-md);
    }

.feature-icon {
    width: 52px;
    height: 52px;
    background: rgba(26,60,143,.08);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    margin-bottom: 16px;
}

.feature-card h4 {
    color: var(--text-dark);
    margin-bottom: 8px;
}

/* ---------- Rates Summary ---------- */
.rates-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

    .rates-table th, .rates-table td {
        padding: 16px 20px;
        text-align: left;
        border-bottom: 1px solid var(--border);
        font-size: .92rem;
    }

    .rates-table th {
        background: var(--primary);
        color: #fff;
        font-weight: 600;
    }

    .rates-table tr:last-child td {
        border-bottom: none;
    }

    .rates-table tr:hover td {
        background: var(--bg-light);
    }

/* ---------- FAQ Accordion ---------- */
.faq-list {
    max-width: 780px;
    margin: 0 auto;
}

.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 12px;
    background: var(--bg-white);
    overflow: hidden;
}

.faq-q {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 24px;
    cursor: pointer;
    font-weight: 600;
    color: var(--text-dark);
    font-size: .95rem;
    transition: var(--transition);
}

    .faq-q:hover {
        color: var(--primary);
    }

    .faq-q .faq-icon {
        font-size: 1.2rem;
        transition: transform .25s;
    }

.faq-item.open .faq-icon {
    transform: rotate(45deg);
}

.faq-a {
    display: none;
    padding: 0 24px 18px;
    color: var(--text-muted);
    font-size: .92rem;
    line-height: 1.7;
}

.faq-item.open .faq-a {
    display: block;
}

/* ---------- Testimonials ---------- */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.testi-card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 28px;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
}

.testi-stars {
    color: var(--accent);
    margin-bottom: 12px;
    font-size: 1rem;
}

.testi-text {
    font-size: .92rem;
    color: var(--text-muted);
    margin-bottom: 20px;
    font-style: italic;
}

.testi-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testi-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    font-weight: 700;
    color: #fff;
    background: var(--primary);
    flex-shrink: 0;
}

.testi-name {
    font-weight: 600;
    font-size: .9rem;
    color: var(--text-dark);
}

.testi-city {
    font-size: .8rem;
    color: var(--text-light);
}

/* ---------- Footer ---------- */
.footer {
    background: var(--text-dark);
    color: rgba(255,255,255,.8);
    padding: 60px 0 24px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 48px;
}

.footer-logo {
    font-size: 1.4rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 10px;
}

    .footer-logo span {
        color: var(--accent);
    }

.footer-desc {
    font-size: .88rem;
    line-height: 1.7;
    margin-bottom: 20px;
}

.footer-col h5 {
    color: #fff;
    font-size: .9rem;
    font-weight: 700;
    margin-bottom: 16px;
    letter-spacing: .04em;
    text-transform: uppercase;
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col ul a {
    color: rgba(255,255,255,.7);
    font-size: .88rem;
    transition: var(--transition);
}

    .footer-col ul a:hover {
        color: var(--accent);
    }

.footer-rbi {
    background: rgba(255,255,255,.05);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--radius);
    padding: 20px;
    font-size: .82rem;
    line-height: 1.7;
    margin-bottom: 24px;
}

    .footer-rbi a {
        color: var(--accent);
    }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
    padding-top: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: .82rem;
}

/* ---------- Multi-step Apply Form ---------- */
.apply-page {
    padding: 60px 0;
}

.apply-container {
    max-width: 760px;
    margin: 0 auto;
}

.apply-header {
    text-align: center;
    margin-bottom: 40px;
}

    .apply-header h1 {
        font-size: 2rem;
    }

.progress-bar-wrap {
    background: var(--border);
    border-radius: 50px;
    height: 6px;
    margin-bottom: 8px;
    overflow: hidden;
}

.progress-bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    border-radius: 50px;
    transition: width .4s ease;
}

.progress-steps {
    display: flex;
    justify-content: space-between;
    margin-bottom: 32px;
}

.prog-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 4px;
    font-size: .72rem;
    color: var(--text-light);
    font-weight: 500;
}

    .prog-step .num {
        width: 28px;
        height: 28px;
        border-radius: 50%;
        border: 2px solid var(--border);
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: .8rem;
        font-weight: 700;
        background: var(--bg-white);
        color: var(--text-light);
        transition: var(--transition);
    }

    .prog-step.active .num, .prog-step.done .num {
        background: var(--primary);
        border-color: var(--primary);
        color: #fff;
    }

    .prog-step.active, .prog-step.done {
        color: var(--primary);
    }

.form-card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border);
}

.form-step {
    display: none;
}

    .form-step.active {
        display: block;
        animation: fadeSlide .3s ease;
    }

@keyframes fadeSlide {
    from {
        opacity: 0;
        transform: translateX(16px);
    }

    to {
        opacity: 1;
        transform: translateX(0);
    }
}

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

.form-step > p {
    margin-bottom: 28px;
    font-size: .9rem;
}

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

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

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

    .form-group label {
        font-size: .85rem;
        font-weight: 600;
        color: var(--text-dark);
    }

    .form-group input,
    .form-group select,
    .form-group textarea {
        border: 1.5px solid var(--border);
        border-radius: var(--radius-sm);
        padding: 12px 14px;
        font-size: .93rem;
        color: var(--text-dark);
        background: var(--bg-white);
        transition: var(--transition);
        outline: none;
        font-family: var(--font);
    }

        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            border-color: var(--primary);
            box-shadow: 0 0 0 3px rgba(26,60,143,.1);
        }

        .form-group input.error {
            border-color: var(--danger);
        }

.form-error {
    font-size: .78rem;
    color: var(--danger);
    display: none;
}

.form-group input.error + .form-error {
    display: block;
}

.input-hint {
    font-size: .78rem;
    color: var(--text-light);
}

/* Slider in form */
.range-wrap {
    position: relative;
}

.range-labels {
    display: flex;
    justify-content: space-between;
    font-size: .78rem;
    color: var(--text-muted);
    margin-top: 6px;
}

input[type=range] {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: var(--border);
    border-radius: 50px;
    outline: none;
}

    input[type=range]::-webkit-slider-thumb {
        -webkit-appearance: none;
        width: 22px;
        height: 22px;
        border-radius: 50%;
        background: var(--primary);
        cursor: pointer;
        box-shadow: 0 2px 8px rgba(26,60,143,.4);
        transition: var(--transition);
    }

        input[type=range]::-webkit-slider-thumb:hover {
            transform: scale(1.1);
        }

.range-value {
    display: inline-block;
    background: var(--primary);
    color: #fff;
    border-radius: var(--radius-sm);
    padding: 4px 12px;
    font-size: .88rem;
    font-weight: 700;
    margin-bottom: 10px;
}

/* KFS Review box */
.kfs-review-box {
    background: var(--bg-light);
    border: 1px solid var(--primary);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 24px;
}

    .kfs-review-box h4 {
        color: var(--primary);
        margin-bottom: 16px;
        font-size: .95rem;
        display: flex;
        align-items: center;
        gap: 8px;
    }

.kfs-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px solid var(--border);
    font-size: .9rem;
}

    .kfs-row:last-child {
        border-bottom: none;
        font-weight: 700;
        color: var(--primary);
        font-size: 1rem;
    }

    .kfs-row span:first-child {
        color: var(--text-muted);
    }

.kfs-cooling {
    background: rgba(245,166,35,.1);
    border: 1px solid rgba(245,166,35,.4);
    border-radius: var(--radius-sm);
    padding: 12px 16px;
    margin: 16px 0;
    font-size: .85rem;
    color: var(--text-dark);
    display: flex;
    gap: 10px;
    align-items: flex-start;
}

.consent-box {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.consent-item {
    display: flex;
    gap: 12px;
    align-items: flex-start;
}

    .consent-item input[type=checkbox] {
        width: 18px;
        height: 18px;
        margin-top: 2px;
        flex-shrink: 0;
        accent-color: var(--primary);
        cursor: pointer;
    }

    .consent-item label {
        font-size: .85rem;
        color: var(--text-muted);
        cursor: pointer;
        line-height: 1.55;
    }

        .consent-item label a {
            color: var(--primary);
            font-weight: 500;
        }

.form-nav {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    margin-top: 28px;
}

    .form-nav .btn-prev {
        display: flex;
        align-items: center;
        gap: 6px;
    }

/* Success state */
.success-card {
    text-align: center;
    padding: 60px 40px;
}

.success-icon {
    width: 88px;
    height: 88px;
    background: rgba(34,197,94,.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    margin: 0 auto 24px;
}

.success-card h2 {
    color: var(--success);
    margin-bottom: 12px;
}

.success-card p {
    max-width: 420px;
    margin: 0 auto 28px;
}

.ref-num {
    font-size: .9rem;
    color: var(--text-muted);
    margin-bottom: 28px;
}

    .ref-num strong {
        color: var(--primary);
    }

/* ---------- Calculator Page ---------- */
.calc-page {
    padding: 60px 0;
}

.calc-layout {
    display: grid;
    grid-template-columns: 1fr 380px;
    gap: 40px;
    align-items: start;
}

.calc-inputs {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 36px;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
}

    .calc-inputs h2 {
        font-size: 1.4rem;
        margin-bottom: 24px;
    }

.calc-results {
    position: sticky;
    top: 90px;
}

.result-card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 32px;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    margin-bottom: 20px;
}

    .result-card h3 {
        font-size: 1.05rem;
        margin-bottom: 20px;
        color: var(--text-dark);
        border-bottom: 2px solid var(--primary);
        padding-bottom: 10px;
    }

.result-row {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    font-size: .92rem;
}

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

    .result-row span:last-child {
        font-weight: 600;
        color: var(--text-dark);
    }

.result-total {
    background: var(--primary);
    color: #fff;
    border-radius: var(--radius);
    padding: 16px 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 8px;
}

    .result-total .label {
        font-size: .88rem;
        opacity: .85;
    }

    .result-total .amount {
        font-size: 1.5rem;
        font-weight: 800;
    }

.apr-badge {
    background: rgba(245,166,35,.12);
    border: 1px solid rgba(245,166,35,.35);
    border-radius: var(--radius);
    padding: 12px 16px;
    margin-top: 12px;
    font-size: .85rem;
    color: var(--text-dark);
}

    .apr-badge strong {
        color: var(--accent-dark);
    }

.disclaimer-box {
    background: var(--bg-light);
    border-left: 3px solid var(--accent);
    padding: 16px 18px;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    font-size: .8rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ---------- Page Hero (for inner pages) ---------- */
.page-hero {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    padding: 60px 0;
    color: #fff;
}

    .page-hero h1 {
        color: #fff;
        font-size: 2.2rem;
        margin-bottom: 8px;
    }

    .page-hero p {
        color: rgba(255,255,255,.8);
        max-width: 600px;
    }

.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: .82rem;
    color: rgba(255,255,255,.7);
    margin-bottom: 16px;
}

    .breadcrumb a {
        color: rgba(255,255,255,.8);
    }

    .breadcrumb span {
        color: rgba(255,255,255,.5);
    }

/* ---------- Legal Pages ---------- */
.legal-page {
    padding: 60px 0;
}

.legal-container {
    max-width: 820px;
    margin: 0 auto;
}

.legal-content h2 {
    font-size: 1.25rem;
    color: var(--primary);
    margin: 32px 0 12px;
}

.legal-content h3 {
    font-size: 1rem;
    color: var(--text-dark);
    margin: 24px 0 8px;
}

.legal-content p {
    font-size: .92rem;
    margin-bottom: 12px;
    line-height: 1.75;
    color: var(--text-muted);
}

.legal-content ul {
    padding-left: 0;
    margin-bottom: 16px;
}

    .legal-content ul li {
        font-size: .92rem;
        color: var(--text-muted);
        padding: 4px 0 4px 20px;
        position: relative;
        line-height: 1.65;
    }

        .legal-content ul li::before {
            content: '•';
            position: absolute;
            left: 0;
            color: var(--primary);
            font-weight: 700;
        }

.legal-updated {
    font-size: .82rem;
    color: var(--text-light);
    margin-bottom: 32px;
}

.legal-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: var(--shadow-sm);
}

.highlight-box {
    background: rgba(26,60,143,.06);
    border: 1px solid rgba(26,60,143,.15);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin: 20px 0;
}

    .highlight-box p {
        color: var(--text-dark) !important;
        font-weight: 500;
        font-size: .9rem !important;
        margin: 0 !important;
    }

/* ---------- KFS Page ---------- */
.kfs-table {
    width: 100%;
    border-collapse: collapse;
    margin: 20px 0;
    background: var(--bg-white);
    border-radius: var(--radius);
    overflow: hidden;
    border: 1px solid var(--border);
}

    .kfs-table th, .kfs-table td {
        padding: 14px 18px;
        border-bottom: 1px solid var(--border);
        font-size: .9rem;
        text-align: left;
    }

    .kfs-table th {
        background: var(--primary);
        color: #fff;
        font-weight: 600;
    }

    .kfs-table td:first-child {
        color: var(--text-muted);
        font-size: .88rem;
    }

    .kfs-table td:last-child {
        font-weight: 600;
        color: var(--text-dark);
    }

    .kfs-table tr:last-child td {
        border-bottom: none;
    }

.kfs-highlight-row td {
    background: rgba(26,60,143,.06);
    font-weight: 700 !important;
    color: var(--primary) !important;
}

/* ---------- Contact Page ---------- */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start;
}

.contact-info-card {
    background: var(--primary);
    color: #fff;
    border-radius: var(--radius-lg);
    padding: 40px;
}

    .contact-info-card h3 {
        color: #fff;
        margin-bottom: 24px;
    }

.contact-detail {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 24px;
}

.contact-icon {
    width: 44px;
    height: 44px;
    background: rgba(255,255,255,.15);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.contact-text h5 {
    color: #fff;
    font-size: .9rem;
    margin-bottom: 4px;
}

.contact-text p {
    color: rgba(255,255,255,.75);
    font-size: .88rem;
    margin: 0;
}

.contact-form-card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 40px;
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
}

/* ---------- Toast ---------- */
.toast {
    position: fixed;
    bottom: 28px;
    right: 28px;
    background: var(--text-dark);
    color: #fff;
    padding: 14px 22px;
    border-radius: var(--radius);
    font-size: .9rem;
    box-shadow: var(--shadow-lg);
    z-index: 9999;
    animation: slideUp .3s ease;
    max-width: 340px;
}

    .toast.success {
        background: var(--success);
    }

    .toast.error {
        background: var(--danger);
    }

@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(16px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ---------- Utility ---------- */
.badge {
    display: inline-block;
    padding: 4px 10px;
    border-radius: 50px;
    font-size: .75rem;
    font-weight: 700;
}

.badge-green {
    background: rgba(34,197,94,.12);
    color: #15803d;
}

.badge-blue {
    background: rgba(26,60,143,.1);
    color: var(--primary);
}

.badge-orange {
    background: rgba(245,166,35,.15);
    color: var(--accent-dark);
}

.divider {
    height: 1px;
    background: var(--border);
    margin: 32px 0;
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }

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

    .calc-layout {
        grid-template-columns: 1fr;
    }

    .calc-results {
        position: static;
    }
}

@media (max-width: 768px) {
    .hero-grid {
        grid-template-columns: 1fr;
    }

    .hero-card {
        display: none;
    }

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

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

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

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

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

    .nav-links {
        display: none;
        position: absolute;
        top: 68px;
        left: 0;
        right: 0;
        background: var(--bg-white);
        flex-direction: column;
        padding: 20px;
        gap: 16px;
        border-bottom: 1px solid var(--border);
        box-shadow: var(--shadow-md);
        z-index: 998;
    }

        .nav-links.open {
            display: flex;
        }

    .nav-hamburger {
        display: flex;
    }

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

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

    .form-card {
        padding: 24px 18px;
    }
}

@media (max-width: 480px) {
    .features-grid {
        grid-template-columns: 1fr;
    }

    .hero {
        padding: 60px 0;
    }

    .section {
        padding: 56px 0;
    }

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

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

    .progress-steps .prog-step span:not(.num) {
        display: none;
    }
}




/* Core Styling Rules (incorporating rounded-12 / shadow-sm layout) */
.agreement-wrapper {
    margin: 0 auto;
    padding: 16px;
    width:1000px;
}

.card-style-base {
    background: #ffffff;
    border-radius: 12px !important; /* Preference configuration matched */
    box-shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.05), 0 1px 2px -1px rgba(0, 0, 0, 0.03) !important; /* shadow-sm alternative */
    border: 1px solid #f1f5f9;
}

/* Grid Configuration Split Layout */
.agreement-split-grid {
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 24px;
    align-items: start;
}

    .agreement-split-grid h3 {
        font-size: 18px;
        padding-bottom: 15px;
        padding-top: 15px;
    }

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

        .otp-verification-sidebar {
            position: relative;
            top: 0;
        }
    }

/* Left Column: Document Body Frame */
.document-viewer-card {
    padding: 24px;
    display: flex;
    flex-direction: column;
    width:1000px;
}

.doc-header {
    border-bottom: 1px solid #f1f5f9;
    padding-bottom: 16px;
    margin-bottom: 16px;
}

.doc-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: #1e293b;
    margin: 0;
}

.doc-subtitle {
    font-size: 0.82rem;
    color: #64748b;
    font-weight: 500;
}

.document-scroll-viewport {
    height: 520px;
    overflow-y: auto;
    padding-right: 12px;
    font-size: 0.88rem;
    line-height: 1.6;
    color: #334155;
    text-align: justify;
}

    /* Scrollbar layout cosmetics */
    .document-scroll-viewport::-webkit-scrollbar {
        width: 6px;
    }

    .document-scroll-viewport::-webkit-scrollbar-track {
        background: #f8fafc;
    }

    .document-scroll-viewport::-webkit-scrollbar-thumb {
        background: #cbd5e1;
        border-radius: 4px;
    }

.doc-footer-hint {
    margin-top: 16px;
    margin-bottom:25px;
    background: #f8fafc;
    padding: 10px 14px;
    font-size: 0.78rem;
    color: #64748b;
    border-radius: 6px;
    display: flex;
    align-items: center;
    gap: 8px;
}

/* Right Column: OTP Side Module */
.otp-verification-sidebar {
    position: sticky;
    top: 24px;
}

.otp-verification-card {
    padding: 24px;
    text-align: center;
    width:500px;
    margin: 0 auto;
}

.otp-icon-container {
    width: 54px;
    height: 54px;
    background: #f0fdf4;
    color: #30b371; /* Matching target accent configuration color */
    font-size: 1.4rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    margin-bottom: 16px;
}

.otp-card-heading {
    font-size: 1.15rem;
    font-weight: 700;
    color: #1e293b;
    margin: 0 0 6px 0;
}

.otp-card-desc {
    font-size: 0.82rem;
    color: #64748b;
    line-height: 1.4;
    margin: 0 0 20px 0;
}

/* Modernized Fields & Inner Wrappers */
.otp-input-group-wrapper {
    text-align: left;
    margin-bottom: 14px;
}

.input-field-label {
    display: block;
    font-size: 0.78rem;
    font-weight: 600;
    color: #475569;
    margin-bottom: 6px;
}

.otp-input-relative {
    position: relative;
}

.field-left-icon {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: #94a3b8;
    font-size: 0.9rem;
}

.otp-modern-input {
    width: 100%;
    box-sizing: border-box;
    padding: 10px 14px 10px 38px !important;
    font-size: 1.1rem !important;
    letter-spacing: 4px;
    font-weight: 600;
    text-align: left;
    border: 1px solid #cbd5e1 !important;
    border-radius: 8px !important;
    background: #f8fafc;
    transition: all 0.2s;
}

    .otp-modern-input:focus {
        outline: none !important;
        border-color: #30b371 !important;
        background: #ffffff;
        box-shadow: 0 0 0 3px rgba(48, 179, 113, 0.1) !important;
    }

.otp-action-row {
    text-align: right;
    margin-bottom: 16px;
}

.resend-modern-link {
    color: #30b371;
    font-size: 0.8rem;
    font-weight: 600;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

    .resend-modern-link:hover {
        text-decoration: underline;
    }

/* Complete / Verify Action button design mechanics */
.btn-verify-submit {
    width: 100%;
    background: #30b371; /* Base functional design accent color block */
    color: #ffffff;
    border: none;
    padding: 12px 16px;
    font-size: 0.9rem;
    font-weight: 600;
    border-radius: 8px;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: background 0.2s ease-in-out;
}

    .btn-verify-submit:hover {
        background: #27965e;
    }

/* System Messages View Alert Nodes */
.success-message-node {
    color: #15803d;
    font-size: 0.8rem;
    margin-bottom: 12px;
    text-align: left;
}

.status-alert-card {
    padding: 20px;
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-top: 20px;
}

.success-banner {
    border-left: 4px solid #30b371 !important;
    background: #f0fdf4;
}

    .success-banner .alert-icon {
        color: #30b371;
        font-size: 1.4rem;
    }

.alert-title {
    font-size: 0.95rem;
    font-weight: 700;
    color: #14532d;
    margin: 0 0 2px 0;
}

.alert-desc {
    font-size: 0.82rem;
    color: #166534;
    margin: 0;
    line-height: 1.4;
}

/* Standalone Fallback Frame */
.fallback-standalone-card {
    padding: 40px 24px;
    text-align: center;
    max-width: 500px;
    margin: 40px auto;
}

.fallback-logo-area {
    margin-bottom: 20px;
}

    .fallback-logo-area img {
        max-width: 140px;
        height: auto;
    }

.fallback-divider {
    height: 1px;
    background: #e2e8f0;
    width: 60px;
    margin: 0 auto 20px auto;
}

.fallback-message-text {
    font-size: 0.92rem;
    color: #475569;
    line-height: 1.5;
    margin: 0;
    font-weight: 500;
}

    .fallback-message-text a {
        color: #30b371;
        text-decoration: none;
        font-weight: 600;
    }

/* ==========================================================================
   Database-Driven HTML List Styles (Agreement Viewer)
   ========================================================================== */

/* Target lists nested inside the document viewport */
.document-scroll-viewport ul,
.document-scroll-viewport ol {
    margin-top: 8px;
    margin-bottom: 16px;
    padding-left: 24px; /* Ensures clean alignment without clipping bullets */
}

/* Unordered Lists (Bullet styles) */
.document-scroll-viewport ul {
    list-style-type: disc;
}

    /* Nested Unordered Lists */
    .document-scroll-viewport ul ul {
        list-style-type: circle;
        margin-bottom: 8px;
    }

/* Ordered Lists (Numbered styles) */
.document-scroll-viewport ol {
    list-style-type: decimal;
}

    /* Nested Ordered Lists (e.g., 1.1, a., i.) */
    .document-scroll-viewport ol ol {
        list-style-type: lower-alpha;
        margin-bottom: 8px;
    }

        .document-scroll-viewport ol ol ol {
            list-style-type: lower-roman;
        }

/* Individual List Items */
.document-scroll-viewport li {
    margin-bottom: 8px;
    font-size: 0.88rem;
    line-height: 1.6;
    color: #334155; /* Matches the main text color */
    padding-left: 4px;
}

    /* Prevent paragraph tags inside li from breaking layout margins */
    .document-scroll-viewport li > p {
        margin: 0 0 4px 0;
        display: inline; /* Keeps text inline with the bullet/number if wrapped in a <p> */
    }

    /* Highlighted or Accent list clauses (Optional utility) */
    .document-scroll-viewport li strong {
        color: #1e293b; /* Slightly darker for legal emphasis terms */
        font-weight: 600;
    }


/* ==========================================================================
   Reference Information Verification Modules Theme Stylesheet
   ========================================================================== */


/* UI Standard Preference Mixins */
.card-style-base {
    background: #ffffff;
    border-radius: 12px !important; /* Preference: rounded-12 */
    box-shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.05), 0 1px 2px -1px rgba(0, 0, 0, 0.03) !important; /* Preference: shadow-sm */
    border: 1px solid #e2e8f0;
}

/* Header Content Structure */
.form-header-block {
    display: flex;
    gap: 16px;
    align-items: center;
    margin-bottom: 24px;
    background: #ffffff;
    padding: 16px 20px;
    border-radius: 12px;
    border: 1px solid #f1f5f9;
}

.header-icon-badge {
    width: 48px;
    height: 48px;
    background: #f0fdf4;
    color: #30b371; /* Preference: Accent Color */
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    font-size: 1.3rem;
}

.form-main-heading {
    font-size: 1.2rem;
    font-weight: 700;
    color: #1e293b;
    margin: 0 0 4px 0;
}

.form-sub-heading {
    font-size: 0.82rem;
    color: #64748b;
    margin: 0;
    line-height: 1.4;
}

/* Stacking Rules For Form Elements */
.references-cards-stack {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-bottom: 24px;
}

.reference-entry-card {
    padding: 24px;
    position: relative;
}

.entry-card-badge {
    position: absolute;
    top: 16px;
    left: 24px;
}

.badge-index {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    color: #30b371; /* Accent Color Track */
    background: #f0fdf4;
    padding: 4px 10px;
    border-radius: 4px;
    letter-spacing: 0.5px;
}

/* Dynamic Grid Elements Handling */
.reference-form-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 24px; /* Leaves clean breathing space below the index badge */
}

@media (max-width: 960px) {
    .reference-form-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 580px) {
    .reference-form-grid {
        grid-template-columns: 1fr;
    }
}

/* Custom Input Field Cosmetics */
.input-component-group {
    display: flex;
    flex-direction: column;
}

.custom-field-label {
    font-size: 0.78rem;
    font-weight: 600;
    color: #475569;
    margin-bottom: 6px;
}

.field-icon-relative {
    position: relative;
}

.field-embedded-icon {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    color: #94a3b8;
    font-size: 0.85rem;
}

/* Input Form Controls overrides */
.modern-form-control,
.modern-select-control {
    width: 100%;
    box-sizing: border-box;
    height: 42px;
    padding: 0 12px 0 34px !important;
    font-size: 0.88rem !important;
    color: #334155;
    background-color: #f8fafc;
    border: 1px solid #cbd5e1 !important;
    border-radius: 8px !important;
    transition: all 0.2s ease-in-out;
}

.modern-select-control {
    padding: 0 24px 0 34px !important;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%2364748b'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    background-size: 14px;
}

    .modern-form-control:focus,
    .modern-select-control:focus {
        outline: none !important;
        border-color: #30b371 !important; /* Accent validation highlight matching */
        background-color: #ffffff;
        box-shadow: 0 0 0 3px rgba(48, 179, 113, 0.1) !important;
    }

/* Client Validation Labels Styling */
.field-validation-error-text {
    font-size: 0.75rem;
    color: #ef4444;
    margin-top: 4px;
    font-weight: 500;
}

/* Submission Footer Module */
.form-actions-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: #ffffff;
    padding: 16px 20px;
    border-radius: 12px;
    border: 1px solid #f1f5f9;
}

@media (max-width: 580px) {
    .form-actions-footer {
        flex-direction: column;
        gap: 12px;
        align-items: stretch;
        text-align: center;
    }
}

.error-summary-node {
    font-size: 0.82rem;
    color: #ef4444;
    font-weight: 600;
}

.btn-theme-submit {
    background: #30b371; /* Preference Theme Accent Base */
    color: #ffffff;
    border: none;
    padding: 11px 22px;
    font-size: 0.88rem;
    font-weight: 600;
    border-radius: 8px;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: background 0.15s ease-in-out;
    box-shadow: 0 1px 2px rgba(0, 0, 0, 0.05);
}

    .btn-theme-submit:hover {
        background: #27965e;
    }

/* Status Notifications Layout Handles */
.status-banner-alert {
    padding: 16px 20px;
    display: flex;
    gap: 14px;
    align-items: flex-start;
}

.info-alert {
    border-left: 4px solid #3b82f6 !important;
    background: #f0f9ff;
    color: #0369a1;
}

    .info-alert .alert-icon-node {
        color: #3b82f6;
        font-size: 1.1rem;
    }

.success-alert {
    border-left: 4px solid #30b371 !important;
    background: #f0fdf4;
}

    .success-alert .alert-icon-node {
        color: #30b371;
        font-size: 1.3rem;
    }

.alert-title-main {
    font-size: 0.95rem;
    font-weight: 700;
    color: #14532d;
    margin: 0 0 2px 0;
}

.alert-desc-sub {
    font-size: 0.82rem;
    color: #166534;
    margin: 0;
    line-height: 1.4;
}

/* Fallback Configuration Elements Layout */
.fallback-error-state-card {
    padding: 40px 24px;
    text-align: center;
    max-width: 480px;
    margin: 40px auto;
}

.fallback-brand-header img {
    max-width: 150px;
    height: auto;
}

.fallback-accent-divider {
    height: 1px;
    background: #e2e8f0;
    width: 50px;
    margin: 16px auto;
}

.fallback-error-text-message {
    font-size: 0.88rem;
    color: #475569;
    line-height: 1.5;
    margin: 0;
    font-weight: 500;
}

.support-inline-anchor {
    color: #30b371;
    text-decoration: none;
    font-weight: 600;
}

.global-loader {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(255,255,255,0.75);
    z-index: 999999;
    justify-content: center;
    align-items: center;
}

.loader-box {
    background: #fff;
    padding: 25px 35px;
    border-radius: 12px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.15);
    text-align: center;
}

.loader-spinner {
    width: 45px;
    height: 45px;
    border: 4px solid #f3f3f3;
    border-top: 4px solid #1a3c8f;
    border-radius: 50%;
    animation: spin 1s linear infinite;
    margin: auto;
}

@@keyframes spin {

    0% {
        transform: rotate(0deg);
    }

    100% {
        transform: rotate(360deg);
    }
}

.loader-text {
    margin-top: 15px;
    font-size: 14px;
    color: #333;
}