/* fin.banking2day.com — personal-loan landing page.
   Structure modelled on the Mint Money PL page; Banking2Day colours. Mobile-first. */
:root {
    --ink: #0B1C38; --ink-2: #2A3550; --muted: #5C6D80; --line: #DCE5F0;
    --blue: #3478D8; --blue-d: #2A63B5; --green: #48B478; --green-d: #2E8A58;
    --bg: #F4F8FC; --bg-2: #EAF1FF; --card: #FFFFFF; --orange: #F99D1C;
    --radius: 16px; --shadow: 0 10px 30px -14px rgba(11,28,56,.25);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 15px/1.5 Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif; }
a { color: var(--blue); }
.muted { color: var(--muted); } .tiny { font-size: 12px; line-height: 1.55; } .req { color: #D9534F; margin-left: 2px; }
.page { max-width: 1080px; margin: 0 auto; }

/* top bar */
.topbar { display: flex; align-items: center; justify-content: space-between; padding: 12px 16px; background: #fff; }
.brand img { height: 36px; width: auto; display: block; }
.topbar-note { font-size: 11.5px; color: var(--muted); }

/* hero */
.hero { background: linear-gradient(180deg, #EAF1FF 0%, #F4F8FC 100%); position: relative; padding: 26px 16px 92px; }
.hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 15% 10%, rgba(52,120,216,.14), transparent 35%), radial-gradient(circle at 90% 70%, rgba(72,180,120,.14), transparent 35%); pointer-events: none; }
.hero-inner { position: relative; max-width: 520px; margin: 0 auto; text-align: center; }
.coin { display: inline-block; margin-bottom: 6px; filter: drop-shadow(0 6px 12px rgba(240,162,27,.35)); }
.hero-kicker { margin: 0; font-weight: 600; color: var(--ink-2); }
.hero-amount { margin: 2px 0 4px; font-size: 46px; line-height: 1; font-weight: 800; letter-spacing: -1px; color: var(--blue); }
.hero-sub { margin: 0 0 18px; font-weight: 600; color: var(--ink); }
.flash { display: inline-block; transform: translateY(-1px); }
.features { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.features li { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 10px; display: flex; flex-direction: column; align-items: center; gap: 2px; }
.f-ico { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; margin-bottom: 4px; }
.features b { font-size: 14px; } .features small { font-size: 11.5px; color: var(--muted); }

/* form card overlapping the hero */
.form-wrap { padding: 0 16px; margin-top: -78px; position: relative; z-index: 2; }
.form-card { max-width: 520px; margin: 0 auto; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 20px; box-shadow: var(--shadow); }
.form-title { margin: 0 0 6px; font-size: 20px; font-weight: 800; text-align: center; }
.form-subtitle { margin: 0 0 16px; color: var(--muted); font-size: 13.5px; text-align: center; }
.funnel-panel { display: none; } .funnel-panel.active { display: block; animation: rise .3s ease; }
@keyframes rise { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.input-group { margin-bottom: 14px; }
.input-group label { display: block; font-size: 12px; font-weight: 700; letter-spacing: .3px; color: var(--ink-2); margin-bottom: 6px; }
.input-group input[type=text], .input-group input[type=tel], .input-group input[type=email] { width: 100%; height: 50px; border: 1.5px solid var(--line); border-radius: 12px; padding: 0 14px; font: inherit; font-size: 16px; color: var(--ink); background: #fff; outline: none; transition: border-color .15s, box-shadow .15s; }
.input-group input:focus { border-color: var(--blue); box-shadow: 0 0 0 4px rgba(52,120,216,.12); }
.addon-input { display: flex; align-items: stretch; border: 1.5px solid var(--line); border-radius: 12px; overflow: hidden; background: #fff; }
.addon-input:focus-within { border-color: var(--blue); box-shadow: 0 0 0 4px rgba(52,120,216,.12); }
.addon-prefix { display: flex; align-items: center; padding: 0 12px; background: var(--bg-2); font-weight: 700; color: var(--ink-2); border-right: 1.5px solid var(--line); }
.addon-input input { border: 0 !important; border-radius: 0 !important; box-shadow: none !important; flex: 1; }
.err-msg { display: none; color: #D9534F; font-size: 12px; margin-top: 6px; }
.input-group.has-error input, .input-group.has-error .addon-input { border-color: #D9534F; }
.input-group.has-error .err-msg { display: block; }
.email-suggest { display: block; margin-top: 6px; font-size: 12.5px; color: var(--blue); cursor: pointer; text-decoration: underline; }
.otp-group input { text-align: center; letter-spacing: 14px; font-size: 24px !important; font-weight: 700; }
.radio-pills { display: flex; gap: 8px; }
.radio-pill { flex: 1; cursor: pointer; }
.radio-pill input { position: absolute; opacity: 0; pointer-events: none; }
.radio-pill span { display: block; text-align: center; padding: 11px 8px; border: 1.5px solid var(--line); border-radius: 12px; font-weight: 600; font-size: 14px; background: #fff; }
.radio-pill input:checked + span { border-color: var(--blue); background: var(--bg-2); color: var(--blue-d); }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 6px; border: 0; border-radius: 12px; font: inherit; font-weight: 800; font-size: 16px; padding: 15px 20px; cursor: pointer; color: #fff; transition: transform .1s, background .15s; }
.btn:active { transform: translateY(1px); } .btn:disabled { opacity: .7; cursor: default; }
.btn-block { width: 100%; }
.btn-primary { background: var(--blue); } .btn-primary:hover { background: var(--blue-d); }
.btn-success { background: var(--green); } .btn-success:hover { background: var(--green-d); }
.pulse { animation: pulse 1.6s ease-in-out infinite; }
@keyframes pulse { 0%,100% { box-shadow: 0 0 0 0 rgba(72,180,120,.5); } 50% { box-shadow: 0 0 0 10px rgba(72,180,120,0); } }
.consent-group { margin: 12px 0 0; }
.consent-group label { display: flex; gap: 9px; align-items: flex-start; font-size: 11.5px; line-height: 1.5; color: var(--muted); font-weight: 400; letter-spacing: 0; }
.consent-group input { margin-top: 3px; flex: 0 0 auto; width: 16px; height: 16px; accent-color: var(--blue); }
.consent-group.has-error label { color: #D9534F; }
.secure-note { margin: 12px 0 0; text-align: center; font-size: 12px; color: var(--muted); }
.link-btn { background: none; border: 0; padding: 0; color: var(--blue); font: inherit; font-weight: 700; cursor: pointer; text-decoration: underline; }
.resend-row { text-align: center; font-size: 13px; color: var(--muted); margin: 12px 0 0; }

/* thank-you */
.ty { text-align: center; }
.ty-check { width: 62px; height: 62px; border-radius: 50%; background: var(--green); display: grid; place-items: center; margin: 4px auto 12px; box-shadow: 0 8px 20px -8px rgba(72,180,120,.7); }
.ty-ref { display: inline-block; background: var(--bg-2); color: var(--ink-2); border-radius: 999px; padding: 8px 14px; font-size: 13px; margin-bottom: 18px; }
.ty-ref strong { color: var(--blue-d); letter-spacing: .5px; }
.ty-offers { border-top: 1px solid var(--line); padding-top: 16px; }
.ty-offers-head .fire { display: inline-block; background: #FFF1DA; color: #A65E0B; font-size: 11px; font-weight: 800; letter-spacing: .4px; padding: 4px 10px; border-radius: 999px; }
.ty-offers-head h4 { margin: 8px 0 12px; font-size: 15px; }
.ty-offer-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.ty-offer { display: flex; flex-direction: column; align-items: center; gap: 6px; padding: 10px 6px; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--ink); background: #FAFBFD; }
.ty-offer img { width: 80px; height: auto; border-radius: 6px; }
.ty-offer span { font-size: 12px; font-weight: 700; }
.ty-offer em { font-style: normal; font-size: 11px; font-weight: 800; color: #fff; background: var(--orange); padding: 5px 11px; border-radius: 999px; animation: blink 1.4s ease-in-out infinite; }
@keyframes blink { 0%,100% { opacity: 1; } 50% { opacity: .55; } }
.ty-all { display: inline-block; margin-top: 12px; font-weight: 700; }

/* sections */
.section { padding: 30px 16px 8px; }
.section.alt { background: #fff; padding-bottom: 30px; margin-top: 22px; }
.section-kicker { text-align: center; font-size: 11.5px; letter-spacing: .8px; text-transform: uppercase; color: var(--muted); font-weight: 700; margin: 0 0 12px; }
.section-title { display: flex; align-items: center; justify-content: center; gap: 12px; font-size: 18px; font-weight: 800; margin: 0 0 18px; text-align: center; }
.section-title .dash { flex: 0 0 26px; height: 2px; background: linear-gradient(90deg, transparent, var(--orange)); }
.section-title .dash:last-child { background: linear-gradient(90deg, var(--orange), transparent); }
.sub-title { font-size: 15px; margin: 22px 0 4px; }
.partners { padding-bottom: 6px; }
.partner-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px; }
.partner-row span { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 7px 13px; font-size: 12.5px; font-weight: 700; color: var(--ink-2); }
.partners .tiny { text-align: center; margin: 10px 0 0; }
.why, .steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.why li, .steps li { display: flex; gap: 12px; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 14px; }
.section.alt .steps li { background: var(--bg); }
.why b, .steps b { display: block; font-size: 14.5px; } .why small, .steps small { color: var(--muted); font-size: 12.5px; line-height: 1.5; }
.why-ico { color: var(--blue); font-size: 16px; flex: 0 0 18px; margin-top: 1px; }
.num { flex: 0 0 30px; height: 30px; border-radius: 50%; background: var(--blue); color: #fff; font-weight: 800; display: grid; place-items: center; font-size: 13px; }
.elig { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.elig div { background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--blue); border-radius: 12px; padding: 12px 14px; }
.elig small { display: block; color: var(--muted); font-size: 11.5px; text-transform: uppercase; letter-spacing: .4px; } .elig b { font-size: 14px; }
.section .tiny.muted { margin: 10px 0 0; }
.rates { display: grid; gap: 10px; }
.rates > div { display: flex; align-items: center; gap: 12px; background: var(--bg); border: 1px solid var(--line); border-radius: 12px; padding: 12px 14px; }
.r-ico { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; font-weight: 800; color: var(--ink-2); flex: 0 0 38px; }
.rates b { display: block; font-size: 14px; } .rates small { color: var(--muted); font-size: 12.5px; }
.apr { width: 100%; border-collapse: collapse; margin-top: 10px; font-size: 13.5px; background: var(--bg); border-radius: 12px; overflow: hidden; }
.apr td { padding: 9px 12px; border-bottom: 1px solid var(--line); } .apr td:last-child { text-align: right; font-weight: 600; } .apr tr:last-child td { border-bottom: 0; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 0 14px; margin-bottom: 8px; }
.faq summary { cursor: pointer; font-weight: 700; padding: 13px 0; font-size: 14px; list-style: none; position: relative; padding-right: 22px; }
.faq summary::after { content: "+"; position: absolute; right: 2px; top: 10px; font-size: 18px; color: var(--blue); } .faq details[open] summary::after { content: "–"; }
.faq p { margin: 0 0 14px; color: var(--muted); font-size: 13.5px; }
.footer { padding: 24px 16px 40px; text-align: center; color: var(--muted); }
.footer-links a { color: var(--ink-2); font-weight: 600; text-decoration: none; margin: 0 4px; }

/* desktop */
@media (min-width: 860px) {
    .topbar { padding: 14px 24px; }
    .hero { padding: 40px 24px 110px; }
    .hero-inner { max-width: 1032px; display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 40px; text-align: left; }
    .hero-amount { font-size: 64px; }
    .features { grid-template-columns: repeat(2, 1fr); }
    .form-wrap { margin-top: -96px; }
    .form-card { max-width: 560px; padding: 28px 30px; }
    .section { max-width: 760px; margin-left: auto; margin-right: auto; }
    .section.alt { max-width: none; } .section.alt > * { max-width: 760px; margin-left: auto; margin-right: auto; }
    .why, .rates { grid-template-columns: repeat(2, 1fr); }
    .elig { grid-template-columns: repeat(4, 1fr); }
}