@import url('https://fonts.googleapis.com/css2?family=Roboto+Mono:ital,wght@0,100..700;1,100..700&display=swap');

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-family: 'Roboto', sans-serif;
}

html {
  scroll-behavior: smooth;
  margin: 0;
  padding: 0;
  overflow-x: hidden;
}

body {
  background-color: #f8fafc;
  color: #1e293b;
  margin: 0;
  padding: 0;
  overflow-x: hidden;
}

/* Header */
.navbar {
  position: fixed;
  backdrop-filter: blur(10px);
  top: 0;
  width: 100%;
  background: linear-gradient(90deg, #0077b6, #00b4d8);
  transition: all 0.3s ease;
  /* padding: 10px 0px; */
  z-index: 1000;
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.1);
}

.nav-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  justify-content: space-between;
  /* justify-content: center; */
  align-items: center;
}

/* Logo */
.logo {
  height: 90px;
  width: auto;
  object-fit: contain;
  transform: scale(1.5);
  transform-origin: left center;
}

/* Menu */
.nav-menu {
  display: flex;
  list-style: none;
  gap: 2rem;
}

.nav-link {
  text-decoration: none;
  color: white;
  font-weight: 500;
  transition: color 0.3s ease;
  position: relative;
  font-family: "Roboto", sans-serif;
}

.nav-link:hover {
  color: #023e8a;
}

.nav-link.active {
  color: #023e8a;
  font-weight: 600;
  border-bottom: 2px solid #023e8a;
}

/* Hamburger toggle (mobile) */
.nav-toggle {
  display: none;
  flex-direction: column;
  cursor: pointer;
  gap: 5px;
}

/* Hamburger bars */
.nav-toggle .bar {
  width: 25px;
  height: 3px;
  background-color: #fff;
  border-radius: 2px;
  transition: 0.3s ease;
}

/* Responsive navigation */
@media (max-width: 768px) {
  .nav-toggle {
    display: flex;
  }

  .nav-link {
    color: #023e8a;
  }

  .nav-link:hover {
    text-decoration: underline;
  }

  .nav-menu {
    position: absolute;
    top: 70px;
    right: 0;
    width: 100%;
    background-color: white;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    transition: 0.3s;
    gap: 2rem;
    padding: 2rem 0;
    border-radius: 10px;
    box-shadow: 0 10px 27px rgba(0, 0, 0, 0.1);
    display: none;
    z-index: 998;
  }

  .nav-menu.active {
    display: flex;
  }
}

/* Form */
.form-container {
  width: 90%;
  max-width: 800px;
  /* expand width */
  margin: 120px auto 40px;
  padding: 40px 30px;
  /* more padding for spaciousness */
  background-color: #fff;
  border-radius: 10px;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.1);
}

.form-section {
  margin-bottom: 30px;
  /* more space between sections */
}

.form-section p {
  font-family: "Roboto", sans-serif;
  font-weight: 300;
  font-size: 1.5rem;
  margin-bottom: 15px;
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
}

.form-step h2 {
  font-size: 1.8rem;
  font-family: "Roboto", sans-serif;
  text-transform: uppercase;
  margin-bottom: 20px;
  letter-spacing: 1.5px;
}

/* Labels and Inputs */
label {
  display: block;
  margin-bottom: 8px;
  font-weight: bold;
}

input,
select {
  width: 100%;
  padding: 10px;
  margin-bottom: 20px;
  border: 1px solid #ccc;
  border-radius: 4px;
}

/* Buttons */
button {
  padding: 10px 20px;
  background-color: #0073e6;
  color: #fff;
  border: none;
  border-radius: 4px;
  cursor: pointer;
}

button:hover {
  background-color: #005bb5;
}

/* Section separator */
hr {
  border: 0;
  border-top: 1px solid #ccc;
  margin: 15px 0;
}

/* Borrowers and Credit Card Options */

.credit-request {
  font-family: "Roboto", sans-serif;
  font-weight: 400;
  font-size: 1.5rem;
  margin-bottom: 15px;
}

/* Personal Information Step */
.form-row {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-bottom: 20px;
}

.form-group {
  flex: 1;
  min-width: 200px;
  display: flex;
  flex-direction: column;
}

.form-group label {
  font-family: "Roboto", sans-serif;
  font-weight: 500;
  font-size: 16px;
}

.capitalize-first::first-letter {
  text-transform: uppercase;
}

.capitalize-first {
  text-transform: lowercase;
}

.form-step p {
  font-family: "Roboto", sans-serif;
  padding-bottom: 25px;
}

label {
  font-weight: 500;
  margin-bottom: 6px;
}

select,
input[type="text"],
input[type="email"],
input[type="date"] {
  padding: 10px;
  border: 1px solid #ccc;
  border-radius: 4px;
  font-size: 15px;
  transition: border-color 0.3s;
}

select:focus,
input:focus {
  border-color: #0072ce;
  outline: none;
}

/* Smaller input boxes for DOB and Resident Since */
.dob-fields {
  display: flex;
  gap: 10px;
  width: 100%;
}

.dob-fields input[type="text"] {
  flex: 1;
  min-width: 0;
  padding: 10px;
  font-family: Roboto, sans-serif;
  font-size: 14px;
  border: 1px solid #ccc;
  border-radius: 4px;
}

/* Make the prefix box smaller and the number box stretch */
.dob-fields input[placeholder="Prefix"] {
  flex: 0 0 80px;
  /* fixed smaller width */
  text-align: center;
}

.dob-fields input[placeholder="Number"] {
  flex: 1;
  /* this will stretch fully */
}

/* Error message style */
.error-message {
  color: #d93025;
  font-size: 12px;
  display: none;
  margin-top: 4px;
}

/* Optional text */
.optional {
  font-weight: 400;
  color: #666;
  font-size: 13px;
}

/* Divider and section title */
hr {
  margin: 30px 0;
  border: none;
  border-top: 1px solid #ddd;
}


h3 {
  font-family: "Roboto", sans-serif;
  font-size: 1.5rem;
  margin-bottom: 30px;
  font-weight: 300;
  color: #111;
}

.radio-container {
  display: inline-block;
  position: relative;
  padding-left: 36px;
  margin-right: 20px;
  cursor: pointer;
  font-size: 14px;
  user-select: none;
}

/* Borrowers Options Row */
.borrowers-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
}

.radio-container input {
  position: absolute;
  opacity: 0;
  cursor: pointer;
}

.checkmark {
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  height: 22px;
  width: 22px;
  background-color: #eee;
  border: 2px solid #0073e6;
  border-radius: 50%;
  box-sizing: border-box;
}

.radio-container input:checked~.checkmark {
  background-color: white;
}

.checkmark:after {
  content: "";
  position: absolute;
  display: none;
}

.radio-container input:checked~.checkmark:after {
  display: block;
}

.radio-container .checkmark:after {
  content: "";
  position: absolute;
  display: none;
  top: 50%;
  left: 50%;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #0073e6;
  /* checkmark color */
  transform: translate(-50%, -50%);
  /* perfectly center */
}

/* Horizontal Loan Fields */
.horizontal-fields {
  display: flex;
  gap: 20px;
  justify-content: space-between;
}

.horizontal-fields .field-group {
  flex: 1;
  display: flex;
  flex-direction: column;
}

/* Loan Amount Euro Sign */
.input-with-euro {
  display: flex;
  align-items: center;
}

.euro-sign {
  margin-right: 5px;
  font-size: 16px;
  font-weight: bold;
}

.input-with-euro input {
  flex: 1;
  padding: 10px;
}

/* Net Loan Display */
.net-loan p {
  font-family: "Roboto", sans-serif;
  font-weight: 300;
  font-size: 1.2rem;
  margin-bottom: 15px;
}

#net-loan {
  font-size: 1.3rem;
  font-family: "Roboto", sans-serif;
  font-weight: 400;
  color: black;
  margin-bottom: 20px;
}

/* Financial Overview Radio */
/* Robust radio style that renders perfectly in Chrome */
.radio-option-group {
  display: flex;
  gap: 100px;
  margin-top: 8px;
  align-items: center;
}

.radio-option {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  font-size: 15px;
  line-height: 1;
  user-select: none;
}

/* Reset native appearance and create a custom circle */
.radio-option input[type="radio"] {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border: 2px solid #9aa0a6;
  /* default border color */
  border-radius: 50%;
  background-color: #fff;
  /* inner fill */
  display: inline-block;
  position: relative;
  margin: 0;
  vertical-align: middle;
  box-sizing: border-box;
  transition: border-color .12s ease, box-shadow .12s ease, background .12s ease;
}

/* Checked state: blue border + centered blue dot using radial-gradient */
.radio-option input[type="radio"]:checked {
  border-color: #0073e6;
  background-image: radial-gradient(circle at center, #0073e6 0 55%, transparent 56%);
  background-repeat: no-repeat;
  background-position: center center;
  background-size: 11px 11px;
  /* size of the inner dot */
}

/* Focus ring for accessibility */
.radio-option input[type="radio"]:focus {
  outline: none;
  box-shadow: 0 0 0 4px rgba(0, 115, 230, 0.12);
}

/* Label text */
.radio-label-text {
  font-size: 15px;
  color: #222;
  vertical-align: middle;
}

/* Phone Fields */

.phone-fields {
  display: flex;
  gap: 10px;
  width: 100%;
}

.phone-fields select {
  flex: 0 0 150px;
  /* Fixed width for dropdown */
  padding: 10px;
  font-family: Roboto, sans-serif;
  font-size: 14px;
  border: 1px solid #ccc;
  border-radius: 4px;
  background-color: #fff;
  cursor: pointer;
}

.phone-fields input[type="text"] {
  flex: 1;
  padding: 10px;
  font-family: Roboto, sans-serif;
  font-size: 14px;
  border: 1px solid #ccc;
  border-radius: 4px;
}

/* Footer */
.footer {
  background: linear-gradient(90deg, #00b4d8, #0077b6);
  color: white;
  text-align: center;
  padding: 1rem 0;
  margin-top: 3rem;
}