/* ==========================================================================
   AF Market — style.css
   Professional blues + neutral grays only.
   ========================================================================== */

:root {
    /* Brand blues */
    --primary:      #1565c0; /* professional blue */
    --primary-dark: #0d2c54; /* deep navy */
    --accent:       #4f9df0; /* lighter blue */

    /* Neutral gray scale */
    --gray-900: #1a1e24;
    --gray-800: #2b3038;
    --gray-700: #414852;
    --gray-600: #5b6472;
    --gray-500: #7a8494;
    --gray-400: #a3abb8;
    --gray-300: #cbd2db;
    --gray-200: #e4e8ee;
    --gray-100: #f4f6f9;

    --white: #ffffff;

    /* Bootstrap overrides mapped to brand palette */
    --bs-primary: var(--primary);
    --bs-primary-rgb: 21, 101, 192;
    --bs-link-color: var(--primary);
    --bs-link-hover-color: var(--primary-dark);
    --bs-body-color: var(--gray-800);
    --bs-body-bg: var(--white);
}

/* --------------------------------------------------------------------------
   Base
   -------------------------------------------------------------------------- */
body {
    font-family: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    color: var(--gray-800);
    background-color: var(--white);
    display: flex;
    flex-direction: column;
    min-height: 100vh;
}

main {
    flex: 1 0 auto;
}

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

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

/* --------------------------------------------------------------------------
   Buttons (brand primary)
   -------------------------------------------------------------------------- */
.btn-primary {
    --bs-btn-bg: var(--primary);
    --bs-btn-border-color: var(--primary);
    --bs-btn-hover-bg: var(--primary-dark);
    --bs-btn-hover-border-color: var(--primary-dark);
    --bs-btn-active-bg: var(--primary-dark);
    --bs-btn-active-border-color: var(--primary-dark);
    --bs-btn-disabled-bg: var(--primary);
    --bs-btn-disabled-border-color: var(--primary);
}

/* --------------------------------------------------------------------------
   Navbar / brand
   -------------------------------------------------------------------------- */
.navbar {
    box-shadow: 0 1px 3px rgba(13, 44, 84, 0.06);
}

.navbar-brand .af-brand-text {
    color: var(--primary-dark);
    font-size: 1.25rem;
    letter-spacing: -0.01em;
}

.af-logo {
    display: block;
    flex: 0 0 auto;
}

.navbar .nav-link {
    color: var(--gray-700);
    font-weight: 500;
    padding-inline: 0.85rem;
}

.navbar .nav-link:hover,
.navbar .nav-link:focus {
    color: var(--primary);
}

.navbar .nav-link.active {
    color: var(--primary);
    font-weight: 600;
}

.af-cta {
    white-space: nowrap;
}

.af-cta .material-icons {
    font-size: 1.15rem;
}

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.af-footer {
    background-color: var(--primary-dark) !important;
    flex-shrink: 0;
}

.af-footer h5,
.af-footer h6 {
    color: var(--white);
}

.af-footer .text-secondary {
    color: var(--gray-300) !important;
}

.af-footer-link {
    color: var(--gray-200);
    text-decoration: none;
    transition: color 0.15s ease-in-out;
}

.af-footer-link:hover {
    color: var(--accent);
}

.af-footer-address .material-icons,
.af-footer .material-icons {
    font-size: 1.1rem;
    color: var(--accent);
}

.af-footer-divider {
    border-color: var(--gray-700);
    opacity: 0.5;
}

/* --------------------------------------------------------------------------
   404 page
   -------------------------------------------------------------------------- */
.af-404-icon {
    font-size: 5rem;
    color: var(--gray-400);
}

/* ==========================================================================
   HOME PAGE (index.php)
   Appended — home-specific rules only.
   ========================================================================== */

/* Shared section rhythm ---------------------------------------------------- */
.af-section {
    padding: 4.5rem 0;
}

.af-section-alt {
    background-color: var(--gray-100);
}

.af-section-head {
    max-width: 720px;
    margin: 0 auto 3rem;
}

.af-section-eyebrow {
    display: inline-block;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.af-section-title {
    color: var(--primary-dark);
    font-weight: 700;
    font-size: clamp(1.6rem, 3vw, 2.25rem);
    margin-bottom: 0.85rem;
}

.af-section-lead {
    color: var(--gray-600);
    font-size: 1.05rem;
    margin-bottom: 0;
}

/* 1. Hero ------------------------------------------------------------------ */
.af-hero {
    background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: var(--white);
    padding: 5.5rem 0 6rem;
    position: relative;
    overflow: hidden;
}

.af-hero::after {
    /* subtle depth glow, purely decorative */
    content: "";
    position: absolute;
    top: -30%;
    right: -10%;
    width: 480px;
    height: 480px;
    background: radial-gradient(circle, rgba(79, 157, 240, 0.25) 0%, transparent 70%);
    pointer-events: none;
}

.af-hero .container {
    position: relative;
    z-index: 1;
}

.af-hero-eyebrow {
    display: inline-block;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--accent);
    margin-bottom: 1.1rem;
}

.af-hero-title {
    font-weight: 800;
    font-size: clamp(2rem, 4.6vw, 3.25rem);
    line-height: 1.12;
    margin-bottom: 1.25rem;
}

.af-hero-subtitle {
    font-size: 1.15rem;
    line-height: 1.65;
    color: rgba(255, 255, 255, 0.88);
    max-width: 640px;
    margin: 0 auto 2rem;
}

.af-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.af-hero .btn-outline-light {
    --bs-btn-hover-color: var(--primary-dark);
}

.af-hero-reassure {
    font-size: 0.92rem;
    color: rgba(255, 255, 255, 0.75);
    margin-bottom: 0;
}

.af-hero-reassure .material-icons {
    font-size: 1.05rem;
    margin-right: 0.25rem;
    color: var(--accent);
}

.af-btn-glow {
    box-shadow: 0 8px 24px rgba(13, 44, 84, 0.25);
    transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.af-btn-glow:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 30px rgba(13, 44, 84, 0.32);
}

/* 2. Stat strip ------------------------------------------------------------ */
.af-stats {
    background-color: var(--white);
    padding: 3rem 0;
    border-bottom: 1px solid var(--gray-200);
}

.af-stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.25rem;
}

.af-stat-icon {
    font-size: 2.1rem;
    color: var(--accent);
    margin-bottom: 0.35rem;
}

.af-stat-number {
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 800;
    color: var(--primary-dark);
    line-height: 1.1;
}

.af-stat-label {
    font-size: 0.9rem;
    color: var(--gray-600);
    max-width: 190px;
}

/* 3. How it works steps ---------------------------------------------------- */
.af-step {
    position: relative;
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 2.5rem 1.75rem 1.75rem;
    text-align: center;
    transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.af-step:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 28px rgba(13, 44, 84, 0.1);
    border-color: var(--gray-300);
}

.af-step-num {
    position: absolute;
    top: -18px;
    left: 50%;
    transform: translateX(-50%);
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background-color: var(--primary);
    color: var(--white);
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 10px rgba(21, 101, 192, 0.35);
}

.af-step-icon {
    font-size: 2.4rem;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.af-step-title {
    color: var(--primary-dark);
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 0.6rem;
}

.af-step-text {
    color: var(--gray-600);
    font-size: 0.97rem;
    margin-bottom: 0;
}

/* 4. Benefit cards --------------------------------------------------------- */
.af-card {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 1.9rem 1.6rem;
    transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.af-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 28px rgba(13, 44, 84, 0.1);
    border-color: var(--gray-300);
}

.af-card-icon {
    font-size: 2.2rem;
    color: var(--primary);
    background-color: var(--gray-100);
    border-radius: 12px;
    padding: 0.6rem;
    margin-bottom: 1rem;
}

.af-card-title {
    color: var(--primary-dark);
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 0.55rem;
}

.af-card-text {
    color: var(--gray-600);
    font-size: 0.97rem;
    margin-bottom: 0;
}

/* 5. Debt types ------------------------------------------------------------ */
.af-debt {
    display: flex;
    align-items: flex-start;
    gap: 0.9rem;
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 1.25rem 1.35rem;
    transition: border-color 0.18s ease, box-shadow 0.18s ease;
}

.af-debt:hover {
    border-color: var(--accent);
    box-shadow: 0 8px 20px rgba(13, 44, 84, 0.08);
}

.af-debt-icon {
    font-size: 1.9rem;
    color: var(--primary);
    flex: 0 0 auto;
}

.af-debt-title {
    color: var(--primary-dark);
    font-size: 1.02rem;
    font-weight: 700;
    margin-bottom: 0.2rem;
}

.af-debt-text {
    color: var(--gray-600);
    font-size: 0.88rem;
    margin-bottom: 0;
}

/* 6. Mid-page CTA band ----------------------------------------------------- */
.af-cta-band {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: var(--white);
    padding: 3.5rem 0;
}

.af-cta-band-title {
    font-weight: 700;
    font-size: clamp(1.5rem, 3vw, 2rem);
    margin-bottom: 0.6rem;
}

.af-cta-band-text {
    color: rgba(255, 255, 255, 0.9);
    font-size: 1.05rem;
}

/* 7. Testimonials ---------------------------------------------------------- */
.af-quote {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 1.9rem 1.7rem;
    margin: 0;
    display: flex;
    flex-direction: column;
    transition: transform 0.18s ease, box-shadow 0.18s ease;
}

.af-quote:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 28px rgba(13, 44, 84, 0.1);
}

.af-quote-stars {
    display: flex;
    gap: 0.1rem;
    color: #f5a623; /* warm gold for stars, outside brand blues by intent */
    margin-bottom: 0.9rem;
}

.af-quote-stars .material-icons {
    font-size: 1.15rem;
}

.af-quote-text {
    color: var(--gray-700);
    font-size: 1rem;
    line-height: 1.6;
    font-style: italic;
    margin-bottom: 1.35rem;
    flex: 1 0 auto;
}

.af-quote-author {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.af-quote-avatar {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background-color: var(--primary);
    color: var(--white);
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 auto;
}

.af-quote-name {
    display: block;
    font-weight: 700;
    color: var(--primary-dark);
    font-size: 0.97rem;
}

.af-quote-meta {
    display: block;
    color: var(--gray-500);
    font-size: 0.85rem;
}

/* 8. Final CTA ------------------------------------------------------------- */
.af-final-cta {
    background-color: var(--gray-100);
    padding: 4.5rem 0;
    text-align: center;
}

.af-final-cta-title {
    color: var(--primary-dark);
    font-weight: 700;
    font-size: clamp(1.7rem, 3.2vw, 2.4rem);
    margin-bottom: 1rem;
}

.af-final-cta-text {
    color: var(--gray-600);
    font-size: 1.08rem;
    line-height: 1.65;
    max-width: 620px;
    margin: 0 auto 1.75rem;
}

.af-final-cta-contact {
    margin-top: 1.75rem;
    margin-bottom: 0;
    font-size: 0.97rem;
    color: var(--gray-700);
}

.af-final-cta-contact a {
    color: var(--primary);
    font-weight: 600;
    text-decoration: none;
}

.af-final-cta-contact a:hover {
    color: var(--primary-dark);
    text-decoration: underline;
}

/* Responsive tweaks -------------------------------------------------------- */
@media (max-width: 575.98px) {
    .af-hero {
        padding: 4rem 0 4.5rem;
    }

    .af-hero-actions .btn {
        width: 100%;
    }

    .af-section {
        padding: 3.25rem 0;
    }
}

/* ==========================================================================
   CONTENT PAGES (how-it-works.php, why.php, commitment.php)
   Appended — content-page-specific rules only.
   ========================================================================== */

/* Slightly shorter hero for interior pages --------------------------------- */
.af-hero-page {
    padding: 4.5rem 0 4.75rem;
}

/* Standalone stat strip (used mid-page on why.php) ------------------------- */
.af-stats-standalone {
    border-bottom: 0;
    padding: 4rem 0;
}

/* Timeline (how-it-works "what to expect") --------------------------------- */
.af-timeline {
    list-style: none;
    margin: 0;
    padding: 0;
    position: relative;
}

.af-timeline::before {
    /* vertical connector line */
    content: "";
    position: absolute;
    left: 23px;
    top: 8px;
    bottom: 8px;
    width: 2px;
    background-color: var(--gray-300);
}

.af-timeline-item {
    position: relative;
    display: flex;
    gap: 1.25rem;
    padding-bottom: 2rem;
}

.af-timeline-item:last-child {
    padding-bottom: 0;
}

.af-timeline-marker {
    position: relative;
    z-index: 1;
    flex: 0 0 auto;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background-color: var(--primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(21, 101, 192, 0.3);
}

.af-timeline-marker .material-icons {
    font-size: 1.4rem;
}

.af-timeline-content {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 1.1rem 1.35rem;
    flex: 1 1 auto;
}

.af-timeline-title {
    color: var(--primary-dark);
    font-size: 1.08rem;
    font-weight: 700;
    margin-bottom: 0.35rem;
}

.af-timeline-text {
    color: var(--gray-600);
    font-size: 0.95rem;
    margin-bottom: 0;
}

/* Mission blockquote (commitment.php) -------------------------------------- */
.af-mission {
    color: var(--primary-dark);
    font-size: clamp(1.3rem, 2.6vw, 1.75rem);
    font-weight: 600;
    line-height: 1.45;
    margin: 1rem auto 1.5rem;
    max-width: 760px;
    position: relative;
}

/* Comparison block (why.php "what sets us apart") -------------------------- */
.af-compare {
    border-radius: 14px;
    padding: 1.9rem 1.75rem;
    height: 100%;
}

.af-compare-plain {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
}

.af-compare-ours {
    background-color: var(--primary-dark);
    color: var(--white);
    border: 1px solid var(--primary-dark);
}

.af-compare-head {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 1.1rem;
    padding-bottom: 0.85rem;
    border-bottom: 1px solid var(--gray-200);
}

.af-compare-plain .af-compare-head {
    color: var(--gray-700);
}

.af-compare-ours .af-compare-head {
    color: var(--white);
    border-bottom-color: rgba(255, 255, 255, 0.15);
}

.af-compare-list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.af-compare-list li {
    display: flex;
    align-items: flex-start;
    gap: 0.65rem;
    padding: 0.5rem 0;
    font-size: 0.97rem;
    line-height: 1.5;
}

.af-compare-list .material-icons {
    font-size: 1.2rem;
    flex: 0 0 auto;
    margin-top: 0.05rem;
}

.af-compare-plain .af-compare-list {
    color: var(--gray-600);
}

.af-compare-plain .af-compare-list .material-icons {
    color: var(--gray-500);
}

.af-compare-ours .af-compare-list {
    color: rgba(255, 255, 255, 0.9);
}

.af-compare-ours .af-compare-list .material-icons {
    color: var(--accent);
}

/* ==========================================================================
   FAQ PAGE (faqs.php)
   Appended — accordion styling only.
   ========================================================================== */
.af-accordion .accordion-item {
    border: 1px solid var(--gray-200);
    border-radius: 12px !important;
    margin-bottom: 0.85rem;
    overflow: hidden;
}

.af-accordion .accordion-button {
    font-weight: 600;
    color: var(--primary-dark);
    background-color: var(--white);
    padding: 1.1rem 1.25rem;
}

.af-accordion .accordion-button:not(.collapsed) {
    color: var(--primary);
    background-color: var(--gray-100);
    box-shadow: none;
}

.af-accordion .accordion-button:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 0.2rem rgba(79, 157, 240, 0.25);
}

.af-accordion .accordion-body {
    color: var(--gray-600);
    line-height: 1.65;
    padding: 0.5rem 1.25rem 1.35rem;
}

/* ==========================================================================
   CONTACT PAGE (contact.php)
   Appended — form + info block styling only.
   ========================================================================== */

/* Honeypot: kept in the DOM but hidden from users and assistive tech */
.af-hp {
    position: absolute;
    left: -5000px;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

.af-contact-card {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 16px;
    padding: 2rem 1.9rem;
    box-shadow: 0 8px 24px rgba(13, 44, 84, 0.06);
}

.af-contact-heading {
    color: var(--primary-dark);
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 1.25rem;
}

.af-req {
    color: #c0392b;
}

.af-contact-card .form-label {
    font-weight: 600;
    color: var(--gray-700);
    font-size: 0.92rem;
}

.af-contact-card .form-control,
.af-contact-card .form-select {
    border-color: var(--gray-300);
    padding: 0.6rem 0.85rem;
}

.af-contact-card .form-control:focus,
.af-contact-card .form-select:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 0.2rem rgba(79, 157, 240, 0.2);
}

.af-form-note {
    font-size: 0.85rem;
    color: var(--gray-500);
}

.af-form-note .material-icons {
    font-size: 1rem;
    color: var(--accent);
}

/* Info block */
.af-contact-info {
    background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: var(--white);
    border-radius: 16px;
    padding: 2rem 1.9rem;
}

.af-contact-info .af-contact-heading,
.af-contact-info .fw-semibold {
    color: var(--white);
}

.af-contact-info .text-muted {
    color: rgba(255, 255, 255, 0.75) !important;
}

.af-contact-list li {
    display: flex;
    align-items: flex-start;
    gap: 0.85rem;
    padding: 0.85rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.af-contact-list li:last-child {
    border-bottom: 0;
}

.af-contact-icon {
    color: var(--accent);
    font-size: 1.4rem;
    flex: 0 0 auto;
}

.af-contact-label {
    display: block;
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 0.15rem;
}

.af-contact-value {
    display: block;
    color: var(--white);
    font-weight: 500;
    text-decoration: none;
}

a.af-contact-value:hover {
    color: var(--accent);
}

.af-contact-cta {
    margin-top: 1.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.af-contact-cta .btn-outline-primary {
    --bs-btn-color: var(--white);
    --bs-btn-border-color: rgba(255, 255, 255, 0.6);
    --bs-btn-hover-bg: var(--white);
    --bs-btn-hover-color: var(--primary-dark);
    --bs-btn-hover-border-color: var(--white);
}

/* ==========================================================================
   ELIGIBILITY WIZARD (eligibility-survey.php)
   Appended — wizard + confirmation styling only.
   ========================================================================== */

.af-wiz-wrap {
    background-color: var(--gray-100);
    padding: 3.5rem 0 4.5rem;
    min-height: 70vh;
}

.af-wiz-intro {
    max-width: 640px;
    margin: 0 auto 1.75rem;
}

.af-wiz-heading {
    color: var(--primary-dark);
    font-weight: 800;
    font-size: clamp(1.6rem, 3.4vw, 2.4rem);
    margin-bottom: 0.6rem;
}

.af-wiz-subheading {
    color: var(--gray-600);
    font-size: 1.05rem;
    margin-bottom: 0;
}

/* Card + progress ---------------------------------------------------------- */
.af-wiz-card {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 18px;
    padding: 1.75rem 1.75rem 1.5rem;
    box-shadow: 0 12px 32px rgba(13, 44, 84, 0.08);
}

.af-wiz-progress-row {
    display: flex;
    align-items: center;
    gap: 0.9rem;
    margin-bottom: 1.75rem;
}

.af-wiz-progress {
    flex: 1 1 auto;
    height: 8px;
    background-color: var(--gray-200);
    border-radius: 999px;
    overflow: hidden;
}

.af-wiz-progress-bar {
    height: 100%;
    width: 16.66%;
    background: linear-gradient(90deg, var(--primary) 0%, var(--accent) 100%);
    border-radius: 999px;
    transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.af-wiz-steplabel {
    flex: 0 0 auto;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--gray-500);
    white-space: nowrap;
}

/* Steps + transitions ------------------------------------------------------ */
.af-wiz-step {
    display: none;
}

.af-wiz-step.is-active {
    display: block;
}

.af-wiz-step.af-slide-fwd {
    animation: afWizInFwd 0.35s ease both;
}

.af-wiz-step.af-slide-back {
    animation: afWizInBack 0.35s ease both;
}

@keyframes afWizInFwd {
    from { opacity: 0; transform: translateX(18px); }
    to   { opacity: 1; transform: translateX(0); }
}

@keyframes afWizInBack {
    from { opacity: 0; transform: translateX(-18px); }
    to   { opacity: 1; transform: translateX(0); }
}

.af-wiz-q {
    color: var(--primary-dark);
    font-weight: 700;
    font-size: clamp(1.3rem, 2.6vw, 1.7rem);
    text-align: center;
    margin-bottom: 0.4rem;
}

.af-wiz-q-sub {
    color: var(--gray-500);
    text-align: center;
    font-size: 0.97rem;
    margin-bottom: 1.6rem;
}

.af-wiz-fielderror {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.35rem;
    color: #c0392b;
    font-size: 0.9rem;
    margin-bottom: 1rem;
}

.af-wiz-fielderror .material-icons {
    font-size: 1.1rem;
}

/* Option cards ------------------------------------------------------------- */
.af-opt-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.85rem;
}

.af-opt {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    gap: 0.5rem;
    min-height: 118px;
    padding: 1.1rem 1rem;
    background-color: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: 14px;
    cursor: pointer;
    transition: border-color 0.15s ease, box-shadow 0.15s ease, transform 0.15s ease, background-color 0.15s ease;
    -webkit-tap-highlight-color: transparent;
}

.af-opt:hover {
    border-color: var(--accent);
    box-shadow: 0 8px 20px rgba(13, 44, 84, 0.08);
    transform: translateY(-2px);
}

/* Visually hide the actual radio; the label is the control. */
.af-opt input[type="radio"] {
    position: absolute;
    opacity: 0;
    width: 1px;
    height: 1px;
    pointer-events: none;
}

.af-opt-icon {
    font-size: 2rem;
    color: var(--primary);
    transition: color 0.15s ease;
}

.af-opt-text {
    font-weight: 600;
    color: var(--gray-800);
    font-size: 1rem;
    line-height: 1.25;
}

.af-opt-check {
    position: absolute;
    top: 0.6rem;
    right: 0.6rem;
    font-size: 1.25rem;
    color: var(--primary);
    opacity: 0;
    transform: scale(0.6);
    transition: opacity 0.15s ease, transform 0.15s ease;
}

.af-opt.is-selected {
    border-color: var(--primary);
    background-color: rgba(21, 101, 192, 0.06);
    box-shadow: 0 8px 20px rgba(21, 101, 192, 0.15);
}

.af-opt.is-selected .af-opt-check {
    opacity: 1;
    transform: scale(1);
}

.af-opt:focus-within {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 0.2rem rgba(79, 157, 240, 0.3);
}

/* Contact step ------------------------------------------------------------- */
.af-wiz-card .form-label {
    font-weight: 600;
    color: var(--gray-700);
    font-size: 0.92rem;
}

.af-wiz-card .form-control:focus,
.af-wiz-card .form-select:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 0.2rem rgba(79, 157, 240, 0.2);
}

.af-consent {
    background-color: var(--gray-100);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 1rem 1rem 1rem 2.6rem;
}

.af-consent .form-check-label {
    font-size: 0.85rem;
    color: var(--gray-600);
    line-height: 1.5;
}

/* Navigation --------------------------------------------------------------- */
.af-wiz-nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    margin-top: 1.75rem;
    padding-top: 1.25rem;
    border-top: 1px solid var(--gray-200);
}

.af-wiz-submit {
    margin-left: auto;
}

.af-wiz-reassure {
    color: var(--gray-500);
    font-size: 0.88rem;
    margin-top: 1.25rem;
}

.af-wiz-reassure .material-icons {
    font-size: 1rem;
    color: var(--accent);
    margin-right: 0.2rem;
}

/* Confirmation screen ------------------------------------------------------ */
.af-confirm {
    background-color: var(--gray-100);
}

.af-confirm-icon {
    font-size: 4.5rem;
    color: #2e9e5b; /* success green, intentional accent outside brand blues */
}

.af-confirm-title {
    color: var(--primary-dark);
    font-weight: 800;
    font-size: clamp(1.7rem, 3.4vw, 2.4rem);
    margin: 0.75rem 0 0.85rem;
}

.af-confirm-lead {
    color: var(--gray-600);
    font-size: 1.08rem;
    line-height: 1.65;
    max-width: 620px;
    margin: 0 auto 2.5rem;
}

.af-confirm-steps {
    margin-bottom: 2.25rem;
}

.af-confirm-step {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 1.5rem 1.35rem;
    text-align: center;
}

.af-confirm-step .material-icons {
    font-size: 2.2rem;
    color: var(--primary);
    margin-bottom: 0.6rem;
}

.af-confirm-step h3 {
    color: var(--primary-dark);
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 0.4rem;
}

.af-confirm-step p {
    color: var(--gray-600);
    font-size: 0.92rem;
    margin-bottom: 0;
}

.af-confirm-contact {
    background-color: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    padding: 1.5rem;
}

.af-confirm-contact a {
    color: var(--primary);
    font-weight: 600;
    text-decoration: none;
}

.af-confirm-contact a:hover {
    color: var(--primary-dark);
    text-decoration: underline;
}

.af-confirm-contact .material-icons {
    font-size: 1.05rem;
    color: var(--accent);
}

/* Single-column options on small screens ----------------------------------- */
@media (max-width: 575.98px) {
    .af-wiz-wrap {
        padding: 2.5rem 0 3.5rem;
    }

    .af-wiz-card {
        padding: 1.35rem 1.1rem 1.25rem;
        border-radius: 14px;
    }

    .af-opt-grid {
        grid-template-columns: 1fr;
    }

    .af-opt {
        flex-direction: row;
        justify-content: flex-start;
        text-align: left;
        min-height: 0;
        gap: 0.85rem;
        padding: 1rem 1.1rem;
    }

    .af-opt-icon {
        font-size: 1.7rem;
    }

    .af-wiz-submit {
        font-size: 1rem;
    }
}

/* ==========================================================================
   LEGAL DOCUMENT PAGES (privacy-policy, terms-of-service,
   do-not-sell-my-info, disclosures)
   Appended — readable legal-document layout only.
   ========================================================================== */

.af-legal .af-hero-updated {
    display: inline-block;
    margin-top: 0.75rem;
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.75);
}

.af-legal-body {
    padding: 3.5rem 0 4rem;
}

.af-legal-doc {
    max-width: 760px;
    margin: 0 auto;
}

.af-legal-intro {
    color: var(--gray-600);
    font-size: 1.02rem;
    line-height: 1.7;
    margin-bottom: 2.5rem;
    padding-bottom: 2rem;
    border-bottom: 1px solid var(--gray-200);
}

.af-legal-section {
    margin-bottom: 2.25rem;
    scroll-margin-top: 90px;
}

.af-legal-section h2 {
    color: var(--primary-dark);
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 0.85rem;
}

.af-legal-section h2 .af-legal-num {
    color: var(--primary);
    margin-right: 0.4rem;
}

.af-legal-section p {
    color: var(--gray-700);
    line-height: 1.75;
    margin-bottom: 1rem;
}

.af-legal-section ul {
    color: var(--gray-700);
    line-height: 1.75;
    padding-left: 1.25rem;
    margin-bottom: 1rem;
}

.af-legal-section ul li {
    margin-bottom: 0.35rem;
}

.af-legal-section a {
    color: var(--primary);
    font-weight: 500;
    text-decoration: none;
}

.af-legal-section a:hover {
    color: var(--primary-dark);
    text-decoration: underline;
}

.af-legal-contact {
    background-color: var(--gray-100);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 1.25rem 1.4rem;
}

.af-legal-contact address {
    margin-bottom: 0;
    font-style: normal;
    color: var(--gray-700);
    line-height: 1.7;
}