* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary-green: #0050b2;
    --secondary-green: #003474;
    --light-green: #e8f5ff;
    --accent-green: #56aa69;
    --dark-text: #1a1a1a;
    --gray-text: #666;
    --light-gray: #f8f9fa;
    --border-light: rgba(0, 80, 178, 0.15);
    --gradient-green: linear-gradient(135deg, #0050b2 0%, #003474 100%);
    --shadow-green: 0 10px 40px rgba(0, 80, 178, 0.15);
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    overflow-x: hidden;
    background: linear-gradient(135deg, #eff9ff 0%, #ffffff 100%);
}

/* ========== APPLICATION SECTION STYLES ========== */
.main-container {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 2px 5px;
}

.content-wrapper {
    display: flex;
    flex-wrap: wrap;
    max-width: 1400px;
    width: 100%;
    border-radius: 24px;
    overflow: visible;
    animation: slideUp 0.8s ease-out;
}

@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }

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

.left-section {
    flex: 1;
    padding: 40px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    /* was center */
    position: relative;
    height: 100vh;
    overflow-y: auto;
}

.left-section h1 {
    font-size: 2.8em;
    font-weight: 800;
    color: var(--dark-text);
    text-align: left;
    line-height: 1.2;
    margin-bottom: 12px;
}

.subtitle {
    font-size: 1.1em;
    color: var(--gray-text);
    margin-bottom: 20px;
    text-align: left;
    font-weight: 400;
}

.right-section {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0px 5px;
}

.hero-image {
    max-width: 100%;
    height: auto;
    filter: drop-shadow(0 10px 30px rgba(55, 120, 66, 0.15));
}

.form-card {
    background: #ffffff;
    border-radius: 24px;
    padding: 25px 20px;
    margin: 0 auto;
    box-shadow: 0 15px 50px rgba(55, 120, 66, 0.15);
    max-width: 480px;
    width: 100%;
    text-align: center;
    border: 1px solid rgba(55, 120, 66, 0.08);
}

.logo_img {
    /* margin: 0 0 12px 0; */
    transition: transform 0.3s ease;
}

.logo_img:hover {
    transform: scale(1.05);
}

.form-card h1 {
    font-size: 1.75em;
    font-weight: 700;
    color: #5e5e5e;
    line-height: 1.3;
    text-align: center;
}

.form-card h1 span {
    display: block;
}

.form-label {
    color: #5e5e5e;
    font-size: 13px;
    font-weight: 500;
}

.form-control {
    padding: 12px 70px;
    border-radius: 14px !important;
    font-size: 1em !important;
    border: 1px solid #e6e6e6 !important;
    transition: all 0.3s ease;
    background: #ffffff;
    color: var(--dark-text) !important;
}



/* ============================= */
/* INCOME TYPE CHECK INDICATOR   */
/* ============================= */

.income-box {
    position: relative;
}

/* Circle container */
.income-box::after {
    content: "";
    position: absolute;
    top: 10px;
    right: 10px;
    width: 22px;
    height: 22px;
    border: 2px solid #e5e7eb;
    border-radius: 50%;
    background: #fff;
    transition: all 0.25s ease;
}

/* Checkmark icon */
.income-box::before {
    content: "✓";
    position: absolute;
    top: 10px;
    right: 10px;
    width: 22px;
    height: 22px;
    font-size: 13px;
    font-weight: 700;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    z-index: 2;
    transition: all 0.25s ease;
}

/* When selected */
.income-card input:checked+.income-box::after {
    background: #0050b2;
    border-color: #0050b2;
}

.income-card input:checked+.income-box::before {
    opacity: 1;
}

.form-control::placeholder {
    color: #999 !important;
}

.form-control:focus {
    border-color: var(--primary-green) !important;
    box-shadow: 0 0 0 0px rgba(55, 120, 66, 0.029) !important;
    background: #ffffff;
    color: var(--dark-text) !important;
}

.country-code {
    position: absolute;
    left: 15px;
    top: 67%;
    transform: translateY(-50%);
    color: var(--dark-text);
    font-weight: 600;
    font-size: 1em;
    pointer-events: none;
    background: var(--light-green);
    padding: 4px 8px;
    border-radius: 6px;
}

.otp-note {
    font-size: 0.75em;
    color: #777;
    text-align: left;
    padding-left: 30px;
}

.text-decoration-none {
    color: var(--primary-green);
    font-weight: 600;
    text-decoration: none !important;
    transition: color 0.2s ease;
}

.text-decoration-none:hover {
    color: var(--secondary-green);
    text-decoration: underline !important;
}

.form-check {
    text-align: left;
    /* margin-bottom: 24px; */
}

.form-check-input {
    width: 20px;
    height: 20px;
    border: 2px solid var(--primary-green);
    margin-top: 2px;
}

.form-check-input:checked {
    background-color: var(--primary-green);
    border-color: var(--primary-green);
}

.form-check-label {
    font-size: 0.78em;
    color: var(--gray-text);
    line-height: 1.5;
    margin-left: 8px;
}

.btn-apply {
    background: linear-gradient(135deg, #5ea2ff 0%, #4174f7 100%);
    color: rgba(255, 255, 255, 1);
    border: none;
    padding: 12px 0px;
    border-radius: 14px;
    font-size: 1.15em;
    font-weight: 600;
    width: 100%;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(55, 120, 66, 0.3);
    cursor: pointer;
}

.btn-apply:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(55, 120, 66, 0.4);
}

.btn-apply:active {
    transform: translateY(0);
}

.btn-apply:disabled {
    opacity: 0.6;
    cursor: not-allowed;
    transform: none;
}

.hidden {
    display: none !important;
}

.input-error {
    border-color: #dc3545 !important;
    background: #fff5f5 !important;
}

.input-success {
    border-color: #28a745 !important;
    background: #f0fff4 !important;
}

/* OTP Box Styles - FIXED FOR VISIBILITY */
.otp-box {
    padding: 20px !important;
    font-size: 1.4em;
    text-align: center;
    border-radius: 12px;
    border: 2px solid #e0e0e0;
    font-weight: 600;
    transition: all 0.3s ease;
    background: #ffffff !important;
    color: var(--dark-text) !important;
    caret-color: var(--primary-green);
}

.otp-box:focus {
    border-color: var(--primary-green) !important;
    box-shadow: 0 0 0 4px rgba(55, 120, 66, 0.1) !important;
    background: #ffffff !important;
    color: var(--dark-text) !important;
    outline: none;
}

.otp-box::placeholder {
    color: #ccc !important;
}

#otpForm h4 {
    font-size: 1.6em;
    font-weight: 700;
    color: var(--dark-text);
    margin-bottom: 12px;
}

#otpForm .text-muted {
    font-size: 0.95em;
    margin-bottom: 28px;
    color: var(--gray-text);
}

.resend-link {
    color: var(--primary-green);
    font-weight: 600;
    text-decoration: none;
    transition: color 0.2s ease;
}

.resend-link:hover {
    color: var(--secondary-green);
    text-decoration: underline;
}

/* ========== BUTTON LOADER SPINNER ========== */
.btn-loader {
    border: 3px solid rgba(255, 255, 255, 0.5);
    border-top: 3px solid #ffffff;
    border-radius: 50%;
    width: 20px;
    height: 20px;
    animation: spin 0.8s linear infinite;
    margin-left: 10px;
    display: inline-block;
}

@keyframes spin {
    0% {
        transform: rotate(0deg);
    }

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

.btn-loading {
    pointer-events: none;
    opacity: 0.8;
}

/* ========== TERMS & CONDITIONS SECTION ========== */
.terms-section {
    background: #fafef782;
    padding: 60px 0;
    margin-top: 40px;
}

/* Reading Progress Bar */
.reading-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    background: var(--gradient-green);
    width: 0%;
    z-index: 10000;
    transition: width 0.1s ease;
}

/* Hero Section for Terms */
.terms-hero {
    padding: 20px 40px 30px;
    text-align: center;
    max-width: 1000px;
    margin: 0 auto;
}

.terms-title {
    font-size: clamp(2rem, 5vw, 3.5rem);
    font-weight: 800;
    background: var(--gradient-green);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: 20px;
    letter-spacing: -1px;
    animation: fadeInUp 0.8s ease;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }

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

/* Quick Navigation */
.quick-nav {
    position: sticky;
    top: 0;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(20px);
    padding: 15px 40px;
    border-bottom: 2px solid var(--border-light);
    z-index: 999;
    overflow-x: auto;
    scrollbar-width: none;
    box-shadow: 0 2px 10px rgba(55, 120, 66, 0.08);
}

.quick-nav::-webkit-scrollbar {
    display: none;
}

.quick-nav-list {
    display: flex;
    gap: 12px;
    max-width: 1400px;
    margin: 0 auto;
    list-style: none;
    flex-wrap: wrap;
    justify-content: center;
}

.quick-nav-item {
    white-space: nowrap;
}

.quick-nav-link {
    padding: 10px 18px;
    border-radius: 25px;
    color: var(--gray-text);
    text-decoration: none;
    font-size: 0.85rem;
    font-weight: 600;
    transition: all 0.3s ease;
    display: inline-block;
    border: 2px solid transparent;
}

.quick-nav-link:hover,
.quick-nav-link.active {
    background: var(--gradient-green);
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(55, 120, 66, 0.3);
}

/* Main Content Container */
.terms-content-wrapper {
    max-width: 1200px;
    margin: 40px auto;
    padding: 0 40px 60px;
}

/* Layout Grid */
.layout-grid {
    display: grid;
    grid-template-columns: 260px 1fr;
    gap: 40px;
    align-items: start;
}

/* Table of Contents Sidebar */
.toc-sidebar {
    position: sticky;
    top: 100px;
    background: #ffffff;
    backdrop-filter: blur(20px);
    border: 2px solid var(--border-light);
    border-radius: 16px;
    padding: 20px;
    max-height: calc(100vh - 120px);
    overflow-y: auto;
    scrollbar-width: thin;
    scrollbar-color: var(--primary-green) transparent;
    box-shadow: var(--shadow-green);
}

.toc-title {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 16px;
    color: var(--dark-text);
}

.toc-list {
    list-style: none;
}

.toc-item {
    margin-bottom: 8px;
}

.toc-link {
    color: var(--gray-text);
    text-decoration: none;
    font-size: 0.85rem;
    transition: all 0.3s ease;
    display: block;
    padding: 8px 12px;
    border-radius: 8px;
    position: relative;
}

.toc-link::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 0;
    height: 2px;
    background: var(--primary-green);
    transition: width 0.3s ease;
}

.toc-link:hover,
.toc-link.active {
    color: var(--primary-green);
    background: var(--light-green);
    padding-left: 20px;
}

.toc-link:hover::before,
.toc-link.active::before {
    width: 12px;
}

/* Accordion Sections */
.terms-main-content {
    min-width: 0;
}

.accordion-section {
    background: #ffffff;
    backdrop-filter: blur(20px);
    border: 2px solid var(--border-light);
    border-radius: 16px;
    margin-bottom: 16px;
    overflow: hidden;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    opacity: 0;
    transform: translateY(20px);
    animation: slideInUp 0.5s ease forwards;
}

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

.accordion-section:hover {
    border-color: var(--primary-green);
    box-shadow: var(--shadow-green);
}

.accordion-header {
    padding: 8px 24px;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    user-select: none;
    transition: all 0.3s ease;
}

.accordion-header:hover {
    background: var(--light-green);
}

.accordion-title {
    font-size: 1.1rem;
    font-weight: 700;
    color: #002903b5;
    flex: 1;
    display: flex;
    align-items: center;
    gap: 12px;
}

.section-icon {
    width: 44px;
    height: 44px;
    background: linear-gradient(135deg, #cab9007d 0%, #aaac00e3 100%);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    flex-shrink: 0;
}

.accordion-toggle {
    width: 34px;
    height: 34px;
    border: 2px solid var(--border-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    flex-shrink: 0;
    background: white;
}

.accordion-toggle::before {
    content: '+';
    font-size: 1.5rem;
    font-weight: 300;
    color: var(--primary-green);
    transition: transform 0.3s ease;
}

.accordion-section.active .accordion-toggle {
    background: var(--gradient-green);
    border-color: transparent;
    transform: rotate(45deg);
}

.accordion-section.active .accordion-toggle::before {
    color: white;
}

.accordion-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.accordion-content {
    padding: 0 24px 24px;
    color: var(--gray-text);
    font-size: 0.95rem;
    line-height: 1.7;
}

.accordion-content h3 {
    color: var(--dark-text);
    font-size: 1.15rem;
    margin-top: 20px;
    margin-bottom: 12px;
    font-weight: 600;
}

.accordion-content h6 {
    color: var(--primary-green);
    font-size: 1.05rem;
    margin-top: 18px;
    margin-bottom: 10px;
    font-weight: 600;
}

.accordion-content p {
    margin-bottom: 14px;
}

.accordion-content ul {
    margin: 14px 0;
    padding-left: 22px;
}

.accordion-content li {
    margin-bottom: 10px;
    position: relative;
}

.accordion-content li::marker {
    color: var(--primary-green);
}

.accordion-content strong {
    color: var(--dark-text);
    font-weight: 600;
}

.accordion-content a {
    color: var(--primary-green);
    text-decoration: none;
    transition: all 0.3s ease;
}

.accordion-content a:hover {
    color: var(--secondary-green);
    text-decoration: underline;
}

/* Expand/Collapse All Controls */
.accordion-controls {
    display: flex;
    gap: 12px;
    margin-bottom: 9px;
    justify-content: flex-end;
}

.control-btn {
    padding: 10px 20px;
    background: white;
    border: 2px solid var(--border-light);
    border-radius: 30px;
    color: var(--dark-text);
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
}

.control-btn:hover {
    background: var(--gradient-green);
    border-color: transparent;
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 4px 15px rgba(55, 120, 66, 0.3);
}

/* Search Box */
.search-container {
    margin-bottom: 9px;
    position: relative;
}

.search-box {
    width: 100%;
    padding: 14px 50px 14px 20px;
    background: white;
    backdrop-filter: blur(20px);
    border: 2px solid var(--border-light);
    border-radius: 50px;
    color: var(--dark-text);
    font-size: 0.95rem;
    transition: all 0.3s ease;
}

.search-box:focus {
    outline: none;
    border-color: var(--primary-green);
    box-shadow: 0 0 0 4px rgba(55, 120, 66, 0.1);
}

.search-icon {
    position: absolute;
    right: 22px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--gray-text);
    font-size: 1.1rem;
}

/* Highlight for search results */
.highlight {
    background: rgba(76, 175, 80, 0.3);
    padding: 2px 4px;
    border-radius: 3px;
}

/* Contact CTA Section */
.contact-cta {
    background: var(--gradient-green);
    border-radius: 20px;
    padding: 40px;
    text-align: center;
    margin-top: 50px;
    position: relative;
    overflow: hidden;
}

.contact-cta::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 70%);
    animation: rotate 15s linear infinite;
}

@keyframes rotate {
    from {
        transform: rotate(0deg);
    }

    to {
        transform: rotate(360deg);
    }
}

.contact-cta-content {
    position: relative;
    z-index: 1;
}

.contact-cta h3 {
    font-size: 1.8rem;
    margin-bottom: 12px;
    color: white;
}

.contact-cta p {
    font-size: 1rem;
    margin-bottom: 24px;
    color: rgba(255, 255, 255, 0.95);
}

.btn-contact {
    padding: 12px 36px;
    background: white;
    color: var(--primary-green);
    text-decoration: none;
    border-radius: 50px;
    font-weight: 700;
    font-size: 1rem;
    display: inline-block;
    transition: all 0.3s ease;
}

.btn-contact:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 35px rgba(0, 0, 0, 0.2);
}

/* ========== RESPONSIVE DESIGN ========== */

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

    .toc-sidebar {
        position: relative;
        top: 0;
        max-height: none;
        margin-bottom: 30px;
    }

    .terms-content-wrapper {
        padding: 0 30px 50px;
    }
}

/* Application Section Tablet */
@media (max-width: 991px) {
    .content-wrapper {
        flex-direction: column;
        max-width: 100%;
        padding: 0;
    }

    .left-section {
        padding: 0px;
        order: 2;
    }

    .right-section {
        padding: 30px 20px 10px;
        order: 1;
    }

    .hero-image {
        max-width: 320px;
    }

    .form-card {
        margin: 0 20px;
    }
}

@media (max-width: 768px) {
    body {
        overflow-x: hidden;
        background: #fff;
    }

    .main-container {
        padding: 10px;
    }

    .left-section h1 {
        font-size: 2em;
    }

    .subtitle {
        font-size: 1em;
    }

    .form-card {
        padding: 30px 24px;
        border-radius: 18px;
    }

    .hero-image {
        max-width: 260px;
    }

    /* Terms Section Tablet */
    .terms-section {
        padding: 40px 0;
    }

    .terms-hero {
        padding: 15px 20px 20px;
    }

    .terms-content-wrapper {
        padding: 0 16px 40px;
    }

    .quick-nav {
        padding: 12px 16px;
    }

    .quick-nav-list {
        justify-content: space-between;
        gap: 1px;
    }

    .quick-nav-link {
        padding: 8px 14px;
        font-size: 0.8rem;
    }

    .accordion-header {
        padding: 16px 18px;
    }

    .accordion-content {
        padding: 0 18px 20px;
        font-size: 0.9rem;
    }

    .section-icon {
        width: 38px;
        height: 38px;
        font-size: 1.1rem;
    }

    .accordion-title {
        font-size: 1rem;
        gap: 10px;
    }

    .accordion-toggle {
        width: 30px;
        height: 30px;
    }

    .accordion-toggle::before {
        font-size: 1.3rem;
    }

    .contact-cta {
        padding: 30px 20px;
        border-radius: 16px;
    }

    .contact-cta h3 {
        font-size: 1.5rem;
    }

    .contact-cta p {
        font-size: 0.95rem;
    }

    .accordion-controls {
        flex-direction: column;
    }

    .control-btn {
        width: 100%;
    }

    .search-box {
        padding: 12px 45px 12px 18px;
        font-size: 0.9rem;
    }

    .toc-sidebar {
        padding: 16px;
    }

    .toc-title {
        font-size: 0.95rem;
    }

    .toc-link {
        font-size: 0.82rem;
        padding: 6px 10px;
    }
}






/* self employeed logical pop up model */

/* ============================= */
/* CLEAN SELF EMPLOYED MODAL    */
/* ============================= */

.se-clean-popup {
    border-radius: 18px !important;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.08) !important;
}

.se-clean-wrapper {
    text-align: center;
}

.se-clean-image {
    width: 220px;
    margin-bottom: 8px;
}

div:where(.swal2-container).swal2-center>.swal2-popup {
    width: 35% !important;
}

.se-clean-title {
    font-size: 18px;
    font-weight: 600;
    color: #111;
    margin-bottom: 12px;
    font-family: 'Segoe UI', sans-serif;
}

.se-clean-text {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
    margin-bottom: 8px;
    font-family: 'Segoe UI', sans-serif;
}

.se-clean-text strong {
    color: #0050b2;
    font-weight: 600;
}

.se-clean-btn {
    border-radius: 10px !important;
    padding: 8px 28px !important;
    font-weight: 500 !important;
    font-size: 14px !important;
    background-color: #0050b2 !important;
    box-shadow: none !important;
}

.se-clean-btn:hover {
    background-color: #003474 !important;
}

/* div:where(.swal2-container).swal2-backdrop-show,
div:where(.swal2-container).swal2-noanimation {
    background: rgba(15, 90, 144, 0.15);
    backdrop-filter: blur(12px);
} */

.se-blur-container.swal2-backdrop-show {
    background: rgba(15, 90, 144, 0.15) !important;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

div:where(.swal2-container) div:where(.swal2-html-container) {
    padding: 20px 12px !important;
}

body.swal2-shown:not(.swal2-no-backdrop, .swal2-toast-shown) {
    padding-right: 0px !important;
}


/* Mobile Portrait */
@media (max-width: 575px) {
    .main-container {
        padding: 0;
        min-height: 100vh;
        display: block;
    }

    .content-wrapper {
        border-radius: 0;
        display: flex;
        flex-direction: column;
    }

    .right-section {
        display: none;
    }

    .se-clean-image {
        width: 100%;
    }

    div:where(.swal2-container).swal2-center>.swal2-popup {
        width: 100% !important;
    }

    .se-clean-text {
        font-size: 12px;
    }

    .hero-image {
        max-width: 100%;
        margin: 0 auto;
        display: none;
    }

    .left-section {
        min-height: 100vh;
        height: auto;
        overflow-y: auto;
        justify-content: flex-start !important;
    }

    .img-cont img {
        transition: opacity 0.35s ease, transform 0.35s ease;
    }

    .img-cont img.d-none {
        opacity: 0;
        transform: scale(0.98);
        position: absolute;
    }

    .img-cont img:not(.d-none) {
        opacity: 1;
        transform: scale(1);
        position: relative;
    }

    #otpForm {
        width: 90%;
        margin: 0px auto;
    }

    .img-cont {
        position: relative;
        width: 100%;
        margin-bottom: 10px;
        z-index: 2;
    }

    .img-cont img {
        width: 100%;
        display: block;
    }

    .form-card {
        background: none !important;
        margin: 0;
        padding: 0px !important;
        border-radius: 18px;
        box-shadow: none !important;
        border: none !important;
    }

    .logo_img {
        width: 140px;
        margin-bottom: 18px;
    }

    .form-card h1 {
        font-size: 1.5em;
        color: #0f5a90;
        margin-bottom: 8px;
        font-weight: 800;
    }

    .subtitle {
        font-size: 0.88em;
        margin-bottom: 16px;
    }

    .form-control {
        height: 50px !important;
        font-size: 0.97em !important;
        padding: 10px 10px 10px 55px !important;
        border-radius: 8px !important;
        font-weight: 600;
    }

    .otp-box {
        padding: 16px 8px !important;
    }

    .country-code {
        left: 12px;
        font-size: 0.9em;
        padding: 3px 6px;
        background: none;
    }

    .otp-note {
        font-size: 0.8em;
        margin-top: 6px;
        margin-bottom: 16px;
    }

    .form-check {
        margin-bottom: 18px;
    }

    .form-check-input {
        width: 17px;
        height: 17px;
        margin-top: 2px;
    }

    .form-check-label {
        font-size: 0.6em;
        line-height: 1.5;
    }

    .btn-apply {
        height: 50px;
        font-size: 1.05em;
        padding: 10px 0;
        border-radius: 8px;
    }

    .otp-box {
        width: 44px;
        height: 44px;
        font-size: 1.15em;
        border-radius: 10px;
    }

    #otpForm h4 {
        font-size: 1.35em;
        margin-bottom: 10px;
    }

    #otpForm .text-muted {
        font-size: 0.88em;
        margin-bottom: 22px;
    }

    .d-flex.gap-2 {
        gap: 5px !important;
    }

    /* Terms Section Mobile */
    .terms-section {
        display: none;
    }

    .terms-hero {
        padding: 10px 14px 16px;
    }

    .terms-content-wrapper {
        padding: 0 12px 30px;
    }

    .quick-nav {
        padding: 10px 2px;
        position: relative;
    }

    .accordion-section {
        margin-bottom: 12px;
        border-radius: 14px;
    }

    .accordion-header {
        padding: 14px 16px;
    }

    .accordion-title {
        font-size: 0.92rem;
        gap: 8px;
    }

    .section-icon {
        width: 36px;
        height: 36px;
        font-size: 1rem;
    }

    .accordion-toggle {
        width: 28px;
        height: 28px;
    }

    .accordion-toggle::before {
        font-size: 1.2rem;
    }

    .accordion-content {
        padding: 0 16px 18px;
        font-size: 0.88rem;
        line-height: 1.6;
    }

    .accordion-content h3 {
        font-size: 1.05rem;
        margin-top: 16px;
        margin-bottom: 10px;
    }

    .accordion-content h6 {
        font-size: 0.98rem;
        margin-top: 14px;
        margin-bottom: 8px;
    }

    .accordion-content p {
        margin-bottom: 12px;
    }

    .accordion-content ul {
        margin: 12px 0;
        padding-left: 20px;
    }

    .accordion-content li {
        margin-bottom: 8px;
    }

    .search-box {
        padding: 11px 42px 11px 16px;
        font-size: 0.88rem;
    }

    .search-icon {
        right: 18px;
        font-size: 1rem;
    }

    .accordion-controls {
        gap: 8px;
        margin-bottom: 16px;
    }

    .control-btn {
        padding: 9px 18px;
        font-size: 0.82rem;
    }

    .contact-cta {
        padding: 28px 18px;
        margin-top: 40px;
    }

    .contact-cta h3 {
        font-size: 1.3rem;
        margin-bottom: 10px;
    }

    .contact-cta p {
        font-size: 0.9rem;
        margin-bottom: 20px;
    }

    .btn-contact {
        padding: 11px 30px;
        font-size: 0.95rem;
    }

    .toc-sidebar {
        padding: 14px;
    }

    .toc-title {
        font-size: 0.9rem;
        margin-bottom: 12px;
    }

    .toc-link {
        font-size: 0.8rem;
        padding: 6px 8px;
    }

    .toc-item {
        margin-bottom: 6px;
    }
}

/* Extra Small Mobile */
@media (max-width: 380px) {
    .form-card {
        padding: 22px 16px;
    }

    .logo_img {
        width: 120px;
    }

    .form-card h1 {
        font-size: 1.5em;
    }

    .subtitle {
        font-size: 0.84em;
    }

    .otp-box {
        width: 40px;
        height: 40px;
        font-size: 1.05em;
    }

    .form-control {
        height: 53px !important;
        font-size: 0.88em !important;
    }

    .btn-apply {
        height: 53px;
        font-size: 1em;
    }

    .form-check-label {
        font-size: 0.78em;
    }

    .d-flex.gap-2 {
        gap: 4px !important;
    }

    .accordion-title {
        font-size: 0.88rem;
    }

    .section-icon {
        width: 32px;
        height: 32px;
        font-size: 0.9rem;
    }

    .accordion-content {
        font-size: 0.85rem;
    }
}

/* Smooth Transitions */
.form-control,
.otp-box,
.btn-apply,
.logo_img {
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Focus Visible for Accessibility */
*:focus-visible {
    outline: 3px solid var(--primary-green);
    outline-offset: 2px;
}

/* Print Styles */
@media print {

    .nav-header,
    .quick-nav,
    .toc-sidebar,
    .accordion-controls,
    .search-container,
    .contact-cta,
    .reading-progress {
        display: none;
    }

    .accordion-body {
        max-height: none !important;
    }

    .accordion-section {
        break-inside: avoid;
    }
}


/* ============================= */
/* INCOME TYPE - IMAGE VERSION   */
/* ============================= */

.income-type-wrapper {
    display: flex;
    align-items: center;
    justify-content: space-around;
    gap: 20px;
}

.income-card {
    position: relative;
    cursor: pointer;
}

.income-card input {
    position: absolute;
    opacity: 0;
}

.income-box {
    border: 1px solid #eaeaea;
    border-radius: 20px;
    padding: 8px 10px;
    text-align: center;
    width: 180px;
    /* background: #f8fafc; */
    transition: all 0.25s ease;
}

/* Images */
.income-box img {
    width: 20px;
    height: auto;
    margin-bottom: 4px;
    transition: all 0.25s ease;
}

/* Hide selected image initially */
.img-selected {
    display: none;
}

.income-box span {
    display: block;
    font-size: 15px;
    /* font-weight: 500; */
    color: #6b7280;
    transition: 0.25s;
}

/* Hover effect */
.income-card:hover .income-box {
    border-color: #0050b2;
}

/* ============================= */
/* SELECTED STATE */
/* ============================= */

.income-card input:checked+.income-box {
    border-color: #0050b2;
}

.income-card input:checked+.income-box .img-default {
    display: none;
}

.income-card input:checked+.income-box .img-selected {
    display: inline-block;
}

.income-card input:checked+.income-box span {
    color: #2d6ebd;
}


/* Full Screen Loader Overlay */
.fullscreen-loader {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, #0f114c90 0%, #1a557a8f 100%);
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    z-index: 9999;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease;
}

.fullscreen-loader.active {
    opacity: 1;
    visibility: visible;
}

.loader-spinner {
    position: relative;
    width: 80px;
    height: 80px;
}

.loader-spinner::before {
    content: '';
    position: absolute;
    width: 100%;
    height: 100%;
    border: 4px solid rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    border-top-color: #3b55ffff;
    animation: spin 1s linear infinite;
}

.loader-spinner::after {
    content: '';
    position: absolute;
    width: 60px;
    height: 60px;
    top: 10px;
    left: 10px;
    border: 4px solid rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    border-top-color: #fff;
    animation: spin 0.7s linear infinite reverse;
}

.loader-text {
    margin-top: 30px;
    color: #fff;
    font-size: 18px;
    font-weight: 500;
    letter-spacing: 1px;
    animation: pulse 1.5s ease-in-out infinite;
}

.loader-dots {
    display: inline-block;
    width: 20px;
    text-align: left;
}

.loader-dots::after {
    content: '.';
    animation: dots 1.5s steps(4, end) infinite;
}

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

@keyframes pulse {

    0%,
    100% {
        opacity: 1;
    }

    50% {
        opacity: 0.6;
    }
}

@keyframes dots {

    0%,
    20% {
        content: '.';
    }

    40% {
        content: '..';
    }

    60%,
    100% {
        content: '...';
    }
}

@media (max-width: 576px) {
    .loader-spinner {
        width: 60px;
        height: 60px;
    }

    .loader-spinner::after {
        width: 45px;
        height: 45px;
        top: 7.5px;
        left: 7.5px;
    }

    .loader-text {
        font-size: 16px;
        margin-top: 20px;
    }
}

/* ============================= */
/* MOBILE BACK BUTTON */
/* ============================= */

.logo-wrapper {
    display: flex;
    align-items: start;
    gap: 12px;
    justify-content: center;
    position: relative;
}

/* Hidden by default (desktop) */
.back-btn {
    display: none;
    border: none;
    background: #ffffff;
    color: #0050b2;
    width: 38px;
    height: 38px;
    border-radius: 50%;
    font-size: 16px;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.25s ease;
}

.back-btn:hover {
    background: #0050b2;
    color: #fff;
    transform: translateX(-2px);
}

@media (min-width: 992px) {

    #imgMobile,
    #imgProcessing,
    #imgOtp {
        display: none !important;
    }
}

.form-card img {
    transition: opacity 0.3s ease, transform 0.3s ease;
}

.form-card img.d-none {
    opacity: 0;
    transform: scale(0.95);
}

.form-card img:not(.d-none) {
    opacity: 1;
    transform: scale(1);
}

/* Show ONLY on mobile */
@media (max-width: 575px) {

    .logo-wrapper {
        justify-content: space-between;
        margin: 0px !important;
        padding: 1rem 0rem;
    }

    .img-cont {
        position: relative;
        width: 100%;
        margin: 0 auto;
        overflow: hidden;
    }

    .img-cont img {
        width: 100%;
        display: block;
    }

    .img-cont::after {
        content: "";
        position: absolute;
        bottom: 0;
        left: 0;
        width: 100%;
        height: 120px;
        /* adjust fade height */
        background: linear-gradient(to bottom, rgba(123, 214, 235, 0.08) 0%, rgba(136, 209, 255, 0.06) 40%, rgba(218, 244, 255, 0.54) 70%, #fff 100%);
        pointer-events: none;
    }

    .logo-linker {
        text-align: center;
        background-color: #a7ceff;
        padding: 1.5rem;
        border-radius: 12px;
    }

    .back-btn {
        display: flex;
    }

    .income-type-sec {
        margin: 0.9rem 0rem !important;
    }

    .form-check {
        margin: 0.8rem 0rem !important;
    }

    .mobileForm {
        /* height: 100vh; */
    }

    #loginForm {
        display: flex;
        flex-direction: column;
        align-items: center;
        /* justify-content: center; */
        gap: 5px;
        /* height: 730px; */
        padding: 0.3rem 0.8rem 0.4rem 0.8rem;
    }

    .form-card h1 {
        text-align: center;
    }

    .income-card {
        width: 49%;
    }

    .income-box {
        border-radius: 8px;
        width: 100%;
    }

    .income-box img {
        width: 20px;
    }

    .form-label {
        font-weight: 600;
    }

    .resp-m-smaller {
        margin: 0.9rem 0rem !important;
    }

    .form-cnt {
        width: 100%;
    }

    .income-card input:checked+.income-box {
        box-shadow: rgba(212, 212, 212, 0.3) 0px 1px 2px 0px, rgba(142, 144, 145, 0.15) 0px 2px 6px 2px;
    }

    #mobileForm {
        padding: 15px;
    }

    .logo-wrapper {
        text-align: center !important;
        display: block;
    }

    .logo_img {
        width: 40px;
        height: 40px;
    }

    .img-cont {
        width: 100%;
        margin: 0px auto;
        padding: 0px 0px;
    }

    .img-cont img {
        width: 100%;
    }
}