/* ===== Anchor offset for sticky header ===== */
:root {
  --header-h: 70px;            /* default fallback */
}

/* Smooth scrolling + global padding for in-page anchors */
html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-h);
}

/* Extra compatibility so the target never hides under header */
:target {
  scroll-margin-top: var(--header-h);
}

/* If you want to be explicit for key sections too */
#apply, #home, #service, #process, #highlights, #faqs, #about {
  scroll-margin-top: calc(var(--header-h) + 8px);
}

/* ============================
   STEP FORM CARD (container)
   ============================ */
.step-form-card {
  /* design */
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.12);
  border: 1px solid #eef2f7;
  overflow: hidden; /* prevent any visual overflow */

  /* progress layout variables */
  --sf-pad-x: 28px; /* horizontal padding for dots & line */
  --sf-dot: 36px; /* size of the numbered dots */
  --sf-track-h: 4px; /* height of the progress track */
  --sf-fill: 0%; /* JS can update this to 0/50/100% etc. */
}

/* Header */
.sf-header {
  padding: 18px var(--sf-pad-x);
  background: linear-gradient(135deg, #5d4bff 50%, #8f7bff 100%);
  color: #fff;
  border-radius: 16px 16px 0 0;
}
.sf-header h4 {
  margin: 0 0 4px;
  font-weight: 700;
  color: #fff;
}
.sf-header p {
  margin: 0;
  opacity: 0.9;
  color: #fff;
}

/* ============================
   PROGRESS (dots + line)
   ============================ */
.sf-progress {
  position: relative;
  padding: 24px var(--sf-pad-x) 12px;
  overflow: hidden; /* ensures line never bleeds outside on small screens */
}

/* base (full) track */
.sf-progress::before {
  content: "";
  position: absolute;
  left: var(--sf-pad-x);
  right: var(--sf-pad-x);
  top: calc(24px + (var(--sf-dot) / 2) - (var(--sf-track-h) / 2));
  height: var(--sf-track-h);
  background: #e7eff6;
  border-radius: 2px;
}

/* animated fill bar */
.sf-progress-bar {
  position: absolute;
  left: var(--sf-pad-x);
  top: calc(24px + (var(--sf-dot) / 2) - (var(--sf-track-h) / 2));
  height: var(--sf-track-h);
  width: var(--sf-fill); /* JS should set --sf-fill to 0%, 50%, 100% */
  max-width: calc(100% - (var(--sf-pad-x) * 2));
  background: linear-gradient(90deg, #004d6e, #00accc);
  border-radius: 2px;
  transition: width 0.35s ease;
  will-change: width;
}

/* numbered dots */
.sf-steps {
  display: flex;
  justify-content: space-between;
  list-style: none;
  padding: 0 var(--sf-pad-x);
  margin: 0 0 12px;
  position: relative;
}
.sf-steps li {
  width: var(--sf-dot);
  height: var(--sf-dot);
  border-radius: 50%;
  background: #cfd8dc;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.06);
  z-index: 1;
}
.sf-steps li.active,
.sf-steps li.completed {
  background: linear-gradient(135deg, #5d4bff 50%, #8f7bff 100%);
}

/* ============================
   STEPS / FIELDS
   ============================ */
.sf-step {
  display: none;
  padding: 10px var(--sf-pad-x) 22px;
}
.sf-step.active {
  display: block;
}
.sf-title {
  color: #004d6e;
  margin: 8px 0 14px;
  font-weight: 700;
}

.sf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 16px;
}
.sf-field {
  position: relative;
}
/* Make "Bank Name" full width (Step 3) on >= 577px */
@media (min-width: 577px) {
  .sf-step[data-step="3"] .sf-grid .sf-field:last-child {
    grid-column: 1 / -1;
  }
}
.sf-field label {
  color: #454546;
  display: block;
  margin-bottom: 6px;
  font-weight: 600;
}

.sf-field input,
.sf-field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #787878;
  border-radius: 10px;
  outline: 0;
  font-size: 14px;
  background: #fff;
  color: #333;
}
.sf-field select {
  appearance: none;
  -webkit-appearance: none;
  -moz-appearance: none;
  background: #fff
    url("data:image/svg+xml;utf8,<svg fill='%23004d6e' height='20' width='20' xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M7 10l5 5 5-5'/></svg>")
    no-repeat right 12px center/18px 18px;
  padding-right: 40px;
  cursor: pointer;
}
.sf-field input:focus,
.sf-field select:focus {
  border-color: #00accc;
  box-shadow: 0 0 0 3px rgba(0, 172, 204, 0.12);
}
.sf-field option {
  padding: 10px;
  font-size: 14px;
  background: #fff;
  color: #333;
}
.sf-spacer {
  visibility: hidden;
}

/* Actions */
.sf-actions {
  display: flex;
  gap: 10px;
  margin-top: 14px;
}
.sf-btn {
  background: linear-gradient(135deg, #5d4bff 50%, #8f7bff 100%);
  color: #fff;
  border: none;
  border-radius: 10px;
  padding: 12px 38px;
  cursor: pointer;
  font-weight: 600;
  transition: transform 0.15s ease, opacity 0.15s ease;
}
.sf-btn:hover {
  opacity: 0.95;
  transform: translateY(-1px);
}
.sf-btn.sf-ghost {
  background: #fff;
  color: #004d6e;
  border: 1px solid #5d4bff;
}
.sf-message {
  padding: 0 var(--sf-pad-x) 18px;
  font-weight: 700;
}

/* Responsive */
@media (max-width: 576px) {
  .sf-grid {
    grid-template-columns: 1fr;
  }
  .step-form-card {
    --sf-pad-x: 16px;
  } /* pull dots/line in tighter on phones */
}

/* ============================
   TEXT-ONLY HIGHLIGHTS
   ============================ */
.text-only-highlights .text-tile {
  background: #fff;
  border: 1px solid #eceef3;
  border-radius: 16px;
  padding: 22px;
  box-shadow: 0 8px 18px rgba(22, 36, 62, 0.06);
}
.text-only-highlights .text-tile:hover {
  box-shadow: 0 8px 18px rgba(22, 36, 62, 0.155);
}
.text-only-highlights .text-tile-title {
  font-size: 20px;
  line-height: 1.25;
  margin-bottom: 8px;
}
.text-only-highlights p {
  margin: 0;
  color: #667085;
}

/* ============================
   EQUAL HEIGHT SERVICE CARDS
   ============================ */
.tp-service-equal .service-card {
  display: flex;
  flex-direction: column;
  height: 100%;
  min-height: 380px;
    box-shadow: 0 8px 18px rgba(22, 36, 62, 0.155);

}
.tp-service-equal .tp-service-thumb-2 img {
  width: 100%;
  height: 180px;
  object-fit: cover;
  border-radius: 12px;
}
.tp-service-equal .tp-service-content-2 {
  margin-top: 14px;
}
@media (max-width: 1199.98px) {
  .tp-service-equal .service-card {
    min-height: 360px;
  }
}
@media (max-width: 991.98px) {
  .tp-service-equal .service-card {
    min-height: 340px;
  }
}

/* ============================
   FAQ look & feel
   ============================ */
.tp-faq-accordion .accordion-item {
  border: 1px solid #eceef3;
  border-radius: 14px;
  background: #fff;
  overflow: hidden;
  box-shadow: 0 8px 18px rgba(22, 36, 62, 0.06);
  margin-bottom: 14px;
}
.tp-faq-accordion .accordion-button {
  font-weight: 600;
  padding: 16px 18px;
  background: #fff;
  box-shadow: none;
}
.tp-faq-accordion .accordion-button:not(.collapsed) {
  color: #0a2540;
  background: #f8fafd;
}
.tp-faq-accordion .accordion-body {
  padding: 14px 18px 18px;
  color: #667085;
  line-height: 1.6;
}
.tp-faq-accordion .accordion-button::after {
  filter: grayscale(100%) contrast(120%);
}