/* Easyfin — UI spec: page #152c70, card white, titles #e31b23, labels/lead page navy */
:root {
  --ef-red: #e31b23;
  --ef-navy: #152c70;
  --ef-slate: #4a5a6a;
  --ef-muted: #6b7c8c;
  --ef-bg: #152c70;
  --ef-card: #ffffff;
  --ef-border: #a8c0e0;
  --ef-footer-grey: #eef1f4;
  --ef-footer-important: var(--ef-red);
  --ef-radius: 8px;
  --ef-panel-pad-x: clamp(1.5rem, 4vw, 2.5rem);
  --ef-panel-pad-y: clamp(2rem, 5vw, 3rem);
  --font-body: "Manrope", system-ui, sans-serif;
  --font-display: "Oswald", system-ui, sans-serif;
}

.ef-body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ef-slate);
  background: var(--ef-bg);
}

/* Navy field around white panel; optional vertical center on auth (see --center) */
.ef-main-outer {
  flex: 1 1 auto;
  width: 100%;
  min-height: 0;
  padding-top: clamp(1.5rem, 4vh, 2.5rem);
  padding-bottom: clamp(2rem, 5vh, 3.5rem);
}

.ef-main-outer--center {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.ef-main-gutter {
  width: 100%;
}

.ef-main-panel {
  width: 100%;
  max-width: 72rem;
  margin-left: auto;
  margin-right: auto;
  background: var(--ef-card);
  border-radius: var(--ef-radius);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.14);
  padding: var(--ef-panel-pad-y) var(--ef-panel-pad-x);
}

.ef-main-panel--narrow {
  max-width: 32rem;
}

/* Loan wizard: navy visible around inner card; no outer white slab */
.ef-main-panel--loan-transparent {
  background: transparent;
  box-shadow: none;
  padding-top: 0;
  padding-left: 0;
  padding-right: 0;
  padding-bottom: var(--ef-panel-pad-y);
}

.ef-messages-strip .ef-alert + .ef-alert {
  margin-top: 0.5rem;
}

.ef-card-hero {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  margin-bottom: 2rem;
}

.ef-logo-card-icon {
  width: 3.5rem;
  height: 3.5rem;
  flex-shrink: 0;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: flex-start;
}

.ef-logo-card-icon img {
  height: 3.5rem;
  width: auto;
  max-width: none;
  display: block;
  clip-path: polygon(0 0, 23% 0, 23% 100%, 0 100%);
}

.ef-card-title {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1.75rem;
  line-height: 1.2;
  color: var(--ef-red);
  margin: 0;
  letter-spacing: 0;
  text-transform: none;
}

.ef-card-lead {
  font-size: 1rem;
  line-height: 1.5;
  color: var(--ef-navy);
  margin: 0.5rem 0 0;
  font-weight: 500;
}

.ef-card-foot {
  font-size: 1rem;
  line-height: 1.5;
  color: var(--ef-navy);
  margin-top: 2rem;
}

.ef-card-foot .ef-link {
  font-weight: 700;
}

.ef-inline-link {
  color: var(--ef-red);
  font-weight: 600;
  text-decoration: none;
}
.ef-inline-link:hover {
  text-decoration: underline;
  text-underline-offset: 2px;
}

.ef-container {
  width: 100%;
  max-width: 72rem;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

.ef-header {
  --ef-header-red: #e31b23;
  --ef-header-navy: #152c70;
  width: 100%;
  background: #fff;
  /* Match reference: bar ~10–12% viewport; clamp keeps mobile/desktop usable */
  --ef-header-bar: clamp(6.9575rem, 13.31vh, 10.5875rem);
}

.ef-header-inner {
  box-sizing: border-box;
  width: 100%;
  max-width: none;
  margin: 0;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
  min-height: var(--ef-header-bar);
  padding-top: 0;
  padding-bottom: 0;
}

@media (min-width: 768px) {
  .ef-header-inner {
    padding-left: 1.75rem;
    padding-right: 1.75rem;
  }
}

@media (min-width: 1280px) {
  .ef-header-inner {
    padding-left: 2.5rem;
    padding-right: 2.5rem;
  }
}

.ef-logo-link {
  text-decoration: none;
  color: inherit;
}

.ef-logo-mark {
  flex-shrink: 0;
  width: 3.5rem;
  height: auto;
  display: block;
}

/* Full wordmark (logo.svg) — ~79% of header bar */
.ef-logo-full {
  flex-shrink: 0;
  display: block;
  width: auto;
  max-width: min(100%, 43.56rem);
  height: auto;
  max-height: calc(var(--ef-header-bar) * 0.7865);
}

.ef-logo-text {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1.15;
}

.ef-logo-title {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: clamp(1.125rem, 2.5vw, 1.375rem);
  letter-spacing: 0.01em;
}

.ef-logo-word {
  color: var(--ef-header-navy);
}

.ef-logo-word--accent {
  color: var(--ef-header-red);
}

.ef-logo-tagline {
  margin-top: 0.2rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.75rem;
  color: var(--ef-header-red);
  letter-spacing: 0.02em;
}

.ef-link-header {
  color: var(--ef-header-red);
  text-decoration: none;
  font-family: var(--font-body);
  font-weight: 700;
  letter-spacing: 0.01em;
  text-transform: none;
}
.ef-link-header:hover {
  color: var(--ef-header-red);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.ef-btn-header {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.625rem 1.375rem;
  background: var(--ef-header-red);
  color: #fff !important;
  text-decoration: none;
  font-family: var(--font-body);
  font-weight: 700;
  text-transform: none;
  letter-spacing: 0.01em;
  font-size: 0.9375rem;
  border-radius: 9px;
}
.ef-btn-header:hover {
  filter: brightness(0.96);
}

.ef-header-tagline {
  margin: 0;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: clamp(0.875rem, 2vw, 1rem);
  color: var(--ef-header-red);
  text-align: right;
  max-width: min(100%, 22rem);
  line-height: 1.3;
}

.ef-footer {
  color: inherit;
}

.ef-footer-top {
  background: #fff;
  border-top: 3px solid var(--ef-navy);
}

.ef-footer-top-inner {
  padding-top: 2.5rem;
  padding-bottom: 2.5rem;
}

@media (min-width: 768px) {
  .ef-footer-top-inner {
    padding-top: 3rem;
    padding-bottom: 3rem;
  }
}

.ef-footer-contact-grid {
  display: grid;
  gap: 2rem 1.5rem;
  grid-template-columns: 1fr;
  text-align: center;
}

@media (min-width: 768px) {
  .ef-footer-contact-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .ef-footer-contact-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
  }
}

.ef-footer-contact-col {
  text-align: center;
}

.ef-footer-icon-wrap {
  display: flex;
  justify-content: center;
  margin-bottom: 0.75rem;
  color: var(--ef-navy);
}

.ef-footer-icon {
  width: 2.5rem;
  height: 2.5rem;
  flex-shrink: 0;
}

.ef-footer-top-title {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1rem;
  color: var(--ef-navy);
  margin: 0 0 0.5rem;
  line-height: 1.3;
}

.ef-footer-top-text {
  font-family: var(--font-body);
  font-size: 0.9375rem;
  color: var(--ef-navy);
  margin: 0;
  line-height: 1.5;
}

.ef-footer-top-link {
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--ef-navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.ef-footer-top-link:hover {
  color: #0a2a42;
}

.ef-footer-bottom {
  background: var(--ef-footer-grey);
}

.ef-footer-bottom-inner {
  padding-top: 2rem;
  padding-bottom: 2rem;
}

@media (min-width: 768px) {
  .ef-footer-bottom-inner {
    padding-top: 2.5rem;
    padding-bottom: 2.5rem;
  }
}

.ef-footer-legal-grid {
  display: grid;
  gap: 1.75rem 1.5rem;
  grid-template-columns: 1fr;
  text-align: left;
}

@media (min-width: 768px) {
  .ef-footer-legal-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .ef-footer-legal-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem 2rem;
    align-items: start;
  }
}

.ef-footer-legal-col {
  text-align: left;
}

.ef-footer-bottom-heading {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #1a1a1a;
  margin: 0 0 0.5rem;
  line-height: 1.35;
}

.ef-footer-bottom-text {
  font-family: var(--font-body);
  font-size: 0.8125rem;
  line-height: 1.55;
  color: #1a1a1a;
  margin: 0;
}

.ef-footer-bottom-text + .ef-footer-bottom-text {
  margin-top: 0.35rem;
}

.ef-footer-important {
  font-weight: 700;
  color: var(--ef-footer-important);
}

.ef-footer-bottom-link {
  display: block;
  font-family: var(--font-body);
  font-size: 0.8125rem;
  color: #1a1a1a;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.ef-footer-bottom-link + .ef-footer-bottom-link {
  margin-top: 0.35rem;
}

.ef-footer-bottom-link:hover {
  color: #000;
}

.ef-footer-copy {
  font-family: var(--font-body);
  font-size: 0.6875rem;
  line-height: 1.45;
  color: #6b7280;
  margin: 0;
}

@media (min-width: 1024px) {
  .ef-footer-legal-col:last-child {
    text-align: right;
  }
}

.ef-h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(2rem, 4vw, 3.125rem);
  line-height: 1.1;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  color: var(--ef-navy);
}

.ef-h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  line-height: 1.15;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  color: var(--ef-navy);
}

.ef-h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.375rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--ef-navy);
}

.ef-lead {
  font-size: 1rem;
  line-height: 1.5;
  font-weight: 500;
  color: var(--ef-navy);
}

.ef-muted {
  color: var(--ef-muted);
}

.ef-link {
  color: var(--ef-red);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.ef-link:hover {
  color: var(--ef-navy);
}

.ef-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: none;
  letter-spacing: 0.01em;
  color: var(--ef-navy);
  margin-bottom: 0.5rem;
}

.ef-input,
.ef-input select {
  width: 100%;
  padding: 0.625rem 0.875rem;
  border: 1px solid var(--ef-border);
  border-radius: var(--ef-radius);
  font-family: var(--font-body);
  font-size: 1rem;
  background: #fff;
  color: var(--ef-slate);
}
.ef-input:focus {
  outline: 2px solid var(--ef-navy);
  outline-offset: 1px;
}

.ef-input:disabled {
  background: #f1f5f9;
  color: #64748b;
  border-color: var(--ef-border);
  cursor: not-allowed;
  opacity: 1;
}

.ef-file::file-selector-button {
  margin-right: 1rem;
  padding: 0.5rem 1rem;
  border: 1px solid var(--ef-navy);
  background: #fff;
  color: var(--ef-navy);
  font-family: var(--font-display);
  text-transform: uppercase;
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  cursor: pointer;
  border-radius: var(--ef-radius);
}

/* Selfie step: Tailwind CDN preflight can collapse <input type="file"> — force it visible. */
.ef-selfie-plain-upload {
  margin-top: 0.5rem;
}

.ef-selfie-upload-help {
  margin: 0 0 0.5rem;
  font-size: 0.875rem;
  color: var(--ef-muted);
}

#selfie-form input[type="file"].ef-selfie-native-file {
  display: block !important;
  width: 100% !important;
  max-width: 100%;
  min-height: 3rem;
  box-sizing: border-box;
  padding: 0.5rem 0.75rem;
  font-size: 1rem !important;
  line-height: 1.4;
  color: var(--ef-navy) !important;
  background: #fff !important;
  border: 2px solid var(--ef-border) !important;
  border-radius: var(--ef-radius);
  cursor: pointer;
  opacity: 1 !important;
  visibility: visible !important;
  position: static !important;
  clip: auto !important;
  overflow: visible !important;
}

#selfie-form input[type="file"].ef-selfie-native-file::file-selector-button {
  margin-right: 1rem;
  padding: 0.5rem 1rem;
  border: 1px solid var(--ef-navy);
  background: #eef2f8;
  color: var(--ef-navy);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.9375rem;
  cursor: pointer;
  border-radius: var(--ef-radius);
}

.ef-checkbox {
  width: 1.125rem;
  height: 1.125rem;
  accent-color: var(--ef-red);
  margin-top: 0.2rem;
}

.ef-checkbox--navy {
  accent-color: var(--ef-navy);
}

.ef-check {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  font-size: 0.9375rem;
  line-height: 1.5;
  color: var(--ef-navy);
  cursor: pointer;
}

.ef-field-error {
  font-size: 0.8125rem;
  color: var(--ef-red);
  margin-top: 0.25rem;
}

.ef-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.65rem 1.5rem;
  font-family: var(--font-display);
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  border-radius: var(--ef-radius);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: filter 0.15s, background 0.15s;
}

.ef-btn-primary {
  background: var(--ef-red);
  color: #fff;
  border-color: var(--ef-red);
}
.ef-btn-primary:hover {
  filter: brightness(0.96);
}

.ef-btn-secondary {
  background: #fff;
  color: var(--ef-navy);
  border-color: var(--ef-navy);
}
.ef-btn-secondary:hover {
  background: rgba(21, 44, 112, 0.06);
}

.ef-btn-ghost {
  background: transparent;
  color: var(--ef-navy);
  border-color: transparent;
}
.ef-btn-ghost:hover {
  text-decoration: underline;
}

.ef-btn-sm {
  padding: 0.4rem 0.9rem;
  font-size: 0.75rem;
}

.ef-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1rem;
  align-items: center;
  margin-top: 1.5rem;
}

.ef-alert {
  padding: 0.75rem 1rem;
  border-radius: var(--ef-radius);
  font-size: 0.9375rem;
}
.ef-alert-success {
  background: #e8f5e9;
  color: #1b5e20;
}
.ef-alert-error,
.ef-alert-danger {
  background: #ffebee;
  color: #b71c1c;
}

/* Wizard progress (on navy, above card) */
.ef-progress--wizard .ef-progress-wizard-label {
  font-family: var(--font-display);
  font-size: 1.125rem;
  font-weight: 600;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.ef-progress--wizard .ef-progress-wizard-step {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: #fff;
}

.ef-progress-track--single {
  position: relative;
  height: 6px;
  border-radius: 4px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.35);
}

.ef-progress-fill {
  height: 100%;
  border-radius: 4px;
  background: #1e88e5;
  transition: width 0.25s ease;
}

.ef-loan-card {
  background: var(--ef-card);
  border-radius: var(--ef-radius);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.14);
  padding: clamp(1.5rem, 4vw, 2rem);
  max-width: 42rem;
  margin-left: auto;
  margin-right: auto;
}

.ef-step-badge {
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 9999px;
  background: var(--ef-red);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 700;
  flex-shrink: 0;
}

.ef-loan-title {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: clamp(1.25rem, 2.5vw, 1.5rem);
  color: var(--ef-red);
  margin: 0;
  line-height: 1.25;
}

/* Drop target: whole area opens file dialog; input uses .sr-only in markup. */
.ef-id-dropzone {
  position: relative;
  display: block;
  width: 100%;
  min-height: 10rem;
  box-sizing: border-box;
  border: 2px dashed var(--ef-border);
  border-radius: var(--ef-radius);
  background: #f0f4fa;
  padding: 2rem 1.25rem;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
}

.ef-id-dropzone:focus-within {
  outline: 2px solid var(--ef-navy);
  outline-offset: 2px;
}

.ef-id-dropzone-visual {
  display: block;
  position: relative;
}

.ef-id-dropzone:hover,
.ef-id-dropzone--drag {
  border-color: var(--ef-navy);
  background: #e8eef8;
}

.ef-id-dropzone-icon {
  width: 3rem;
  height: 3rem;
  margin: 0 auto 1rem;
  color: var(--ef-navy);
}

.ef-id-dropzone-title {
  display: block;
  font-weight: 700;
  color: var(--ef-navy);
  font-size: 1rem;
  margin: 0 0 0.35rem;
}

.ef-id-dropzone-hint {
  display: block;
  font-size: 0.875rem;
  color: var(--ef-muted);
  margin: 0;
}

.ef-id-dropzone-filename {
  display: block;
  font-size: 0.875rem;
  color: var(--ef-navy);
  font-weight: 600;
  margin-top: 0.75rem;
  word-break: break-word;
}

.ef-id-warning {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.875rem 1rem;
  border-radius: var(--ef-radius);
  background: #ffebee;
  margin-top: 1.25rem;
}

.ef-id-warning-icon {
  flex-shrink: 0;
  width: 1.5rem;
  height: 1.5rem;
  color: var(--ef-red);
}

.ef-id-warning p {
  margin: 0;
  font-size: 0.9375rem;
  color: var(--ef-red);
  font-weight: 600;
  line-height: 1.45;
}

.ef-loan-actions {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 0.75rem 1rem;
  margin-top: 1.75rem;
}

.ef-loan-actions > :first-child {
  justify-self: start;
}

.ef-loan-actions > :nth-child(2) {
  justify-self: center;
}

.ef-loan-actions > :last-child {
  justify-self: end;
}

@media (max-width: 520px) {
  .ef-loan-actions {
    grid-template-columns: 1fr;
    justify-items: stretch;
  }
  .ef-loan-actions > :first-child,
  .ef-loan-actions > :nth-child(2),
  .ef-loan-actions > :last-child {
    justify-self: stretch;
    text-align: center;
  }
}

.ef-btn-navy {
  background: var(--ef-navy);
  color: #fff !important;
  border-color: var(--ef-navy);
}
.ef-btn-navy:hover {
  filter: brightness(1.06);
}

.ef-btn-link-navy {
  background: transparent;
  color: var(--ef-navy);
  border-color: transparent;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.9375rem;
  text-transform: none;
  letter-spacing: 0;
}
.ef-btn-link-navy:hover {
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* Selfie step: instruction panel, checklist, preview frame, upload row */
.ef-selfie-instruction {
  padding: 1rem 1.25rem;
  border-radius: var(--ef-radius);
  background: #f5f5f5;
}

.ef-selfie-instruction-heading {
  margin: 0 0 1rem;
  font-size: 1rem;
  font-weight: 700;
  color: var(--ef-red);
}

.ef-selfie-checklist {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem 1.25rem;
}

@media (max-width: 520px) {
  .ef-selfie-checklist {
    grid-template-columns: 1fr;
  }
}

.ef-selfie-checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.9375rem;
  line-height: 1.45;
  font-weight: 500;
  color: var(--ef-navy);
}

.ef-selfie-checklist-icon {
  flex-shrink: 0;
  width: 1.125rem;
  height: 1.125rem;
  margin-top: 0.12rem;
  color: #3b5998;
}

.ef-selfie-section-label {
  display: block;
  margin: 0 0 0.75rem;
  font-size: 1rem;
  font-weight: 700;
  color: var(--ef-navy);
}

.ef-selfie-preview {
  position: relative;
  min-height: 14rem;
  border-radius: var(--ef-radius);
  background: #1a2b5e;
  border: 2px solid var(--ef-border);
  overflow: hidden;
}

.ef-selfie-preview-media {
  display: block;
  width: 100%;
  min-height: 14rem;
  max-height: 22rem;
  object-fit: cover;
}

.ef-selfie-preview-empty {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  pointer-events: none;
}

.ef-selfie-preview-hint {
  margin: 0;
  font-size: 0.9375rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.78);
  text-align: center;
}


.ef-selfie-camera-actions .ef-btn-link-navy {
  text-transform: none;
  letter-spacing: 0;
  font-family: var(--font-body);
  font-weight: 700;
}

.ef-bullets {
  list-style: disc;
  padding-left: 1.25rem;
  color: var(--ef-muted);
}
.ef-bullets li {
  margin-bottom: 0.35rem;
}

.ef-card {
  border-radius: var(--ef-radius);
  background: var(--ef-card);
}
.ef-card-dashed {
  border: 2px dashed var(--ef-border);
}

.ef-tip-grid .ef-tip {
  padding: 0.75rem 1rem;
  background: #fff;
  border: 1px solid var(--ef-border);
  border-radius: var(--ef-radius);
  font-size: 0.875rem;
  text-align: center;
  color: var(--ef-navy);
  font-weight: 500;
}

.ef-budget-split {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  border-bottom: 2px solid var(--ef-border);
}
.ef-budget-split-label {
  font-family: var(--font-display);
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.ef-budget-split-label--income {
  color: var(--ef-red);
}
.ef-budget-split-label--expenses {
  color: var(--ef-navy);
}

.ef-summary-card {
  background: var(--ef-card);
  border: 1px solid var(--ef-border);
  border-radius: var(--ef-radius);
  padding: 1.75rem 1.5rem;
  box-shadow: 0 8px 24px rgba(21, 44, 112, 0.1);
}

.ef-summary-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--ef-border);
  font-size: 0.9375rem;
}
.ef-summary-row--highlight {
  border-bottom: none;
  padding-top: 0.75rem;
  font-size: 1.125rem;
  color: var(--ef-navy);
}

.ef-section-title {
  font-family: var(--font-display);
  font-size: 1.125rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ef-navy);
  border-bottom: 2px solid var(--ef-red);
  padding-bottom: 0.5rem;
}

.ef-status-hero {
  text-align: center;
  padding: 2rem 1rem;
  background: linear-gradient(180deg, rgba(227, 27, 35, 0.06) 0%, transparent 100%);
  border-radius: var(--ef-radius);
}
.ef-status-eyebrow {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  text-transform: uppercase;
  color: var(--ef-red);
  letter-spacing: 0.02em;
  line-height: 1.1;
}
.ef-status-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 5vw, 3.25rem);
  text-transform: uppercase;
  color: var(--ef-navy);
  letter-spacing: 0.02em;
  line-height: 1.05;
  margin-top: 0.25rem;
}
.ef-mt-lead {
  color: var(--ef-muted);
  font-size: 1rem;
  max-width: 28rem;
  margin-left: auto;
  margin-right: auto;
}

.ef-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
}
.ef-checklist-item {
  display: flex;
  gap: 1rem;
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--ef-border);
  align-items: flex-start;
}
.ef-checklist-icon {
  flex-shrink: 0;
  width: 1.75rem;
  height: 1.75rem;
  border-radius: 9999px;
  background: var(--ef-red);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: 700;
}
.ef-checklist-dot {
  flex-shrink: 0;
  width: 1.75rem;
  height: 1.75rem;
  border-radius: 9999px;
  border: 2px solid var(--ef-border);
  background: #fff;
}
.ef-checklist-item--pending .ef-checklist-dot {
  border-color: var(--ef-navy);
}

/* Step 7 review / application status (mockup: navy hero + white card + timeline) */
.ef-review-status {
  --ef-review-red: #cf202e;
  --ef-review-blue: #4a90e2;
  --ef-review-blue-soft: #6ba3e8;
  --ef-review-line: #d1d5db;
}

.ef-review-status-hero {
  text-align: center;
  padding: 0 1rem 2rem;
}

.ef-review-status-heading {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: clamp(1.5rem, 4vw, 2.25rem);
  line-height: 1.2;
  color: #fff;
  margin: 0;
}

.ef-review-status-lead {
  font-size: 1rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.95);
  font-style: italic;
  max-width: 28rem;
  margin: 1rem auto 0;
}

.ef-review-status-card {
  margin-top: 0.5rem;
}

.ef-review-status-logo img {
  margin-left: auto;
  margin-right: auto;
}

.ef-review-status-wait {
  font-size: 0.9375rem;
  color: var(--ef-muted);
}

.ef-review-timeline {
  list-style: none;
  padding: 1.75rem 0 0;
  margin: 0;
}

.ef-review-timeline-item {
  position: relative;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding-bottom: 1.35rem;
}

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

.ef-review-timeline-item:not(:last-child)::after {
  content: "";
  position: absolute;
  left: 0.875rem;
  top: 1.75rem;
  bottom: 0;
  width: 2px;
  background: var(--ef-review-line);
  z-index: 0;
}

.ef-review-timeline-marker {
  position: relative;
  z-index: 1;
  flex-shrink: 0;
  width: 1.75rem;
  height: 1.75rem;
  border-radius: 9999px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: #fff;
  line-height: 1;
}

.ef-review-timeline-item--done .ef-review-timeline-marker {
  background: var(--ef-review-red);
}

.ef-review-timeline-item--blue .ef-review-timeline-marker {
  background: var(--ef-review-blue);
}

.ef-review-timeline-body {
  min-width: 0;
  padding-top: 0.1rem;
}

.ef-review-timeline-title {
  font-weight: 700;
  font-size: 1rem;
  line-height: 1.35;
  margin: 0;
}

.ef-review-timeline-item--done .ef-review-timeline-title {
  color: var(--ef-navy);
}

.ef-review-timeline-item--blue .ef-review-timeline-title {
  color: var(--ef-review-blue);
}

.ef-review-timeline-sub {
  font-size: 0.875rem;
  line-height: 1.4;
  margin: 0.25rem 0 0;
}

.ef-review-timeline-sub--muted {
  color: var(--ef-muted);
}

.ef-review-timeline-item--blue .ef-review-timeline-sub {
  color: var(--ef-review-blue-soft);
}

.ef-loan-actions--review {
  margin-top: 2.5rem;
}

/* Step 8 — submitted / waiting for SMS */
.ef-loan-card--submitted {
  max-width: 36rem;
}

.ef-submitted-message {
  max-width: 28rem;
  margin: 1.75rem auto 0;
  text-align: left;
}

.ef-submitted-lead {
  margin: 0 0 1rem;
  font-size: 1rem;
  font-weight: 600;
  line-height: 1.6;
  color: var(--ef-navy);
}

.ef-submitted-hint {
  margin: 0 0 0.75rem;
  font-size: 0.9375rem;
  line-height: 1.55;
  color: var(--ef-navy);
}

.ef-submitted-hint:last-child {
  margin-bottom: 0;
}

.ef-submitted-hint--muted {
  color: var(--ef-muted);
  font-weight: 500;
}

.ef-submitted-hint strong {
  font-weight: 700;
  color: var(--ef-navy);
}

.ef-loan-actions--pair {
  margin-top: 2rem;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  align-items: stretch;
}

.ef-loan-actions--pair > :first-child,
.ef-loan-actions--pair > :last-child {
  justify-self: stretch;
}

.ef-loan-actions--pair .ef-btn {
  width: 100%;
  min-height: 2.75rem;
  text-align: center;
  line-height: 1.25;
  padding: 0.65rem 0.75rem;
}

@media (max-width: 520px) {
  .ef-loan-actions--pair {
    grid-template-columns: 1fr;
  }
}

.ef-pin {
  letter-spacing: 0.5em;
  font-size: 1.5rem;
  text-align: center;
  font-variant-numeric: tabular-nums;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

/* Income verification (step 4): centered card header + upload rows */
.ef-loan-card--income {
  max-width: 44rem;
}

.ef-loan-card-header--center {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.ef-loan-card-header--center .ef-step-badge {
  margin-bottom: 1rem;
}

.ef-loan-title--center {
  text-align: center;
  width: 100%;
  font-size: clamp(1.375rem, 2.8vw, 1.75rem);
}

.ef-lead--center {
  text-align: center;
  max-width: 28rem;
}

.ef-form--income .ef-income-field + .ef-income-field {
  margin-top: 1.75rem;
}

.ef-income-field-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--ef-navy);
  margin-bottom: 0.5rem;
}

.ef-income-doc-icon {
  width: 1.25rem;
  height: 1.25rem;
  flex-shrink: 0;
  color: var(--ef-navy);
}

.ef-income-upload-box {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  width: 100%;
  box-sizing: border-box;
  min-height: 5.5rem;
  padding: 1rem 1.125rem;
  border: 1px solid var(--ef-border);
  border-radius: var(--ef-radius);
  background: #eef2f8;
}

.ef-income-upload-main {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  min-width: 0;
  flex: 1 1 12rem;
}

.ef-income-cloud-icon {
  width: 2.25rem;
  height: 2.25rem;
  flex-shrink: 0;
  color: var(--ef-navy);
  margin-top: 0.1rem;
}

.ef-income-upload-copy {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  min-width: 0;
}

.ef-income-upload-title {
  display: block;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 700;
  color: var(--ef-navy);
}

.ef-income-upload-hint {
  display: block;
  font-size: 0.8125rem;
  line-height: 1.45;
  color: var(--ef-muted);
}

.ef-btn-browse {
  flex-shrink: 0;
  cursor: pointer;
  margin: 0;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.9375rem;
  text-transform: none;
  letter-spacing: 0;
  padding: 0.5rem 1.25rem;
}

.ef-income-upload-filename {
  display: block;
  margin-top: 0.5rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--ef-navy);
  word-break: break-word;
}

.ef-income-paid-section {
  margin-top: 2rem;
}

.ef-income-paid-heading {
  margin: 0 0 1rem;
  font-size: 1rem;
  font-weight: 700;
  color: var(--ef-navy);
}

.ef-income-paid-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem 1.5rem;
}

@media (max-width: 520px) {
  .ef-income-paid-grid {
    grid-template-columns: 1fr;
  }
}

.ef-loan-actions--income {
  margin-top: 2rem;
}

/* Loan wizard footer — Back & Save: light surface + navy text; Continue: blue fill + navy text (no borders) */
.ef-btn.ef-btn-wizard-back,
.ef-btn.ef-btn-wizard-save {
  background: #eef1f4;
  color: var(--ef-navy);
  border: none;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.9375rem;
  text-transform: none;
  letter-spacing: 0;
  text-decoration: none;
  box-shadow: none;
}

.ef-btn.ef-btn-wizard-back:hover,
.ef-btn.ef-btn-wizard-save:hover {
  filter: brightness(0.97);
  text-decoration: none;
}

.ef-btn.ef-btn-wizard-continue {
  background: #1e88e5;
  color: var(--ef-navy) !important;
  border: none;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.9375rem;
  text-transform: none;
  letter-spacing: 0;
  box-shadow: none;
}

.ef-btn.ef-btn-wizard-continue:hover {
  filter: brightness(1.03);
}

/* Monthly budget (step 5): two-column layout + navy affordability summary */
.ef-loan-card--budget {
  max-width: 60rem;
}

.ef-budget-layout {
  display: grid;
  grid-template-columns: 1fr minmax(17rem, 22rem);
  gap: clamp(1.5rem, 4vw, 2.5rem);
  align-items: center;
}

@media (max-width: 900px) {
  .ef-budget-layout {
    grid-template-columns: 1fr;
    align-items: stretch;
  }
}

.ef-form--budget .ef-budget-field-stack {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.ef-budget-block + .ef-budget-block {
  margin-top: 1.75rem;
}

.ef-budget-block-title {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin: 0 0 0.75rem;
  font-size: 1rem;
  font-weight: 700;
  color: var(--ef-navy);
}

.ef-budget-block-icon {
  flex-shrink: 0;
  width: 1.75rem;
  height: 1.75rem;
  border-radius: 9999px;
  background: #1e88e5;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
}

.ef-budget-block-icon svg {
  width: 0.875rem;
  height: 0.875rem;
}

.ef-afford-summary {
  background: var(--ef-navy);
  color: #fff;
  border-radius: var(--ef-radius);
  padding: 1.5rem 1.25rem;
  box-shadow: 0 8px 28px rgba(0, 0, 0, 0.18);
}

.ef-afford-summary__title {
  margin: 0 0 1rem;
  font-family: var(--font-body);
  font-size: 1.125rem;
  font-weight: 700;
  color: #fff;
}

.ef-afford-summary__rows {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.ef-afford-summary__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  font-size: 0.9375rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.95);
}

.ef-afford-summary__value {
  font-weight: 600;
  white-space: nowrap;
}

.ef-afford-summary__divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.45);
  margin: 0.85rem 0 0.65rem;
}

.ef-afford-summary__row--available {
  font-size: 1.125rem;
  font-weight: 700;
}

.ef-afford-summary__row--available .ef-afford-summary__value {
  font-size: 1.25rem;
  font-weight: 700;
}

.ef-afford-summary__callout {
  margin: 1.25rem 0 0;
  padding: 0.9rem 1rem;
  border-radius: var(--ef-radius);
  background: rgba(30, 136, 229, 0.45);
  font-size: 0.875rem;
  line-height: 1.45;
  font-weight: 500;
  color: #fff;
  text-align: center;
}

.ef-loan-actions--budget {
  margin-top: 2rem;
}

/* Personal details (step 6): section spacing */
.ef-loan-card--personal {
  max-width: 42rem;
}

.ef-form--personal .ef-personal-section + .ef-personal-section {
  margin-top: 1.75rem;
}

.ef-loan-actions--personal {
  margin-top: 2rem;
}

.ef-autocomplete {
  position: relative;
}

.ef-autocomplete-list {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  right: 0;
  z-index: 30;
  margin: 0;
  padding: 0.25rem 0;
  list-style: none;
  background: #fff;
  border: 1px solid var(--ef-border);
  border-radius: var(--ef-radius);
  box-shadow: 0 10px 25px -10px rgba(15, 23, 42, 0.25), 0 4px 10px -6px rgba(15, 23, 42, 0.15);
  max-height: 16rem;
  overflow-y: auto;
}

.ef-autocomplete-list[hidden] {
  display: none;
}

.ef-autocomplete-option {
  padding: 0.5rem 0.875rem;
  font-size: 0.95rem;
  color: var(--ef-slate);
  cursor: pointer;
  line-height: 1.4;
}

.ef-autocomplete-option:hover,
.ef-autocomplete-option.is-active {
  background: #eff6ff;
  color: var(--ef-navy);
}

/* Step 8 — verify OTP (reference: navy card, grey OTP borders, dark blue resend, buttons inside card) */
.ef-loan-card--verify {
  max-width: 40rem;
  padding: clamp(1.75rem, 4vw, 2.25rem) clamp(1.25rem, 3vw, 2rem);
  box-sizing: border-box;
  overflow: visible;
}

.ef-verify-icon {
  width: 2.75rem;
  height: 2.75rem;
  border-radius: 9999px;
  background: var(--ef-red);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ef-verify-icon svg {
  display: block;
  opacity: 0.98;
}

.ef-loan-title--verify {
  font-size: clamp(1.5rem, 3.5vw, 1.875rem);
  font-weight: 700;
  text-transform: none;
  letter-spacing: 0;
  font-family: var(--font-body);
}

.ef-verify-lead {
  font-size: 1rem;
  line-height: 1.55;
  font-weight: 500;
  color: var(--ef-navy);
  text-align: center;
  max-width: 22rem;
  margin-left: auto;
  margin-right: auto;
}

.ef-verify-phone-suffix {
  font-weight: 700;
}

.ef-form--verify .ef-otp-row {
  display: flex;
  flex-wrap: nowrap;
  justify-content: center;
  gap: 0.5rem;
  margin-top: 0.5rem;
}

@media (min-width: 400px) {
  .ef-form--verify .ef-otp-row {
    gap: 0.625rem;
  }
}

.ef-otp-digit {
  box-sizing: border-box;
  width: 2.5rem;
  height: 2.75rem;
  padding: 0;
  text-align: center;
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
  color: var(--ef-navy);
  border: 1px solid #c5cad4;
  border-radius: 4px;
  background: #fff;
}

.ef-otp-digit:focus {
  outline: 2px solid rgba(30, 136, 229, 0.35);
  outline-offset: 1px;
  border-color: #64b5f6;
}

@media (min-width: 400px) {
  .ef-otp-digit {
    width: 2.625rem;
    height: 2.875rem;
  }
}

.ef-verify-resend {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--ef-navy);
}

.ef-verify-resend-btn {
  font: inherit;
  font-weight: inherit;
  color: var(--ef-navy);
  background: none;
  border: none;
  padding: 0;
  cursor: pointer;
}

.ef-verify-resend-btn:disabled {
  cursor: default;
  opacity: 1;
  color: var(--ef-navy);
}

.ef-verify-resend-btn:not(:disabled):hover {
  text-decoration: underline;
  text-underline-offset: 2px;
}

.ef-loan-actions--verify {
  margin-top: 2rem;
  grid-template-columns: 1fr;
  gap: 0.75rem;
  width: 100%;
  min-width: 0;
}

@media (min-width: 560px) {
  .ef-loan-actions--verify {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr) minmax(0, 1fr);
    gap: 0.5rem 0.65rem;
    align-items: center;
  }
  .ef-loan-actions--verify > :first-child,
  .ef-loan-actions--verify > :nth-child(2),
  .ef-loan-actions--verify > :last-child {
    min-width: 0;
    justify-self: stretch;
    text-align: center;
  }
  .ef-loan-actions--verify .ef-btn {
    white-space: normal;
    padding-left: 0.65rem;
    padding-right: 0.65rem;
    line-height: 1.25;
  }
}

.ef-loan-actions--verify .ef-btn-wizard-continue {
  padding-top: 0.55rem;
  padding-bottom: 0.55rem;
}

/* --- Pre-login landing funnel --- */

.ef-header--landing {
  flex-direction: column;
  align-items: stretch;
}

.ef-header-inner--landing {
  align-items: center;
}

.ef-landing-subnav {
  width: 100%;
  background: var(--ef-navy);
}

.ef-landing-subnav-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 1.5rem 2.5rem;
  padding: 0.65rem 1.25rem;
  max-width: 72rem;
  margin: 0 auto;
}

.ef-landing-subnav-link {
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9375rem;
}

.ef-landing-subnav-link:hover {
  text-decoration: underline;
  text-underline-offset: 3px;
}

.ef-main-outer--landing,
.ef-main-outer--landing-auth {
  padding-top: 0;
  padding-bottom: 0;
}

.ef-main-outer--landing .ef-container,
.ef-main-outer--landing-auth .ef-container {
  max-width: none;
  padding-left: 0;
  padding-right: 0;
}

.ef-main-panel--landing {
  max-width: none;
  background: transparent;
  box-shadow: none;
  padding: 0;
}

.ef-landing-hero {
  position: relative;
  min-height: clamp(22rem, 55vh, 32rem);
  background:
    linear-gradient(135deg, rgba(21, 44, 112, 0.88) 0%, rgba(21, 44, 112, 0.72) 45%, rgba(227, 27, 35, 0.35) 100%),
    radial-gradient(ellipse at 70% 40%, rgba(255, 255, 255, 0.12) 0%, transparent 55%),
    var(--ef-navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: clamp(2rem, 6vw, 4rem) clamp(1.25rem, 4vw, 2.5rem);
}

.ef-landing-hero-inner {
  width: 100%;
  max-width: 56rem;
  text-align: center;
}

.ef-landing-hero-title {
  margin: 0 0 0.5rem;
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 5vw, 2.75rem);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--ef-red);
  line-height: 1.15;
}

.ef-landing-hero-subtitle {
  margin: 0 0 2rem;
  font-family: var(--font-body);
  font-size: clamp(1.25rem, 3vw, 1.75rem);
  font-style: italic;
  font-weight: 600;
  color: #b8d4f0;
}

.ef-landing-error {
  margin: 0 0 1rem;
  color: #ffe0e0;
  font-weight: 600;
}

.ef-landing-amount-row {
  display: flex;
  flex-wrap: wrap;
  align-items: stretch;
  justify-content: center;
  gap: 1.25rem 1.5rem;
  margin-bottom: 1.25rem;
}

.ef-landing-amount-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  justify-content: center;
}

.ef-landing-amount-btn.is-selected {
  outline: 3px solid rgba(255, 255, 255, 0.85);
  outline-offset: 2px;
}

.ef-landing-amount-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 7.5rem;
  padding: 1rem 1.75rem;
  border: none;
  border-radius: var(--ef-radius);
  background: var(--ef-red);
  color: #fff;
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 3vw, 1.75rem);
  font-weight: 600;
  letter-spacing: 0.02em;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.2);
}

.ef-landing-amount-btn:hover {
  filter: brightness(1.05);
}

.ef-landing-repayment-box {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-width: 12rem;
  padding: 1rem 1.5rem;
  background: var(--ef-navy);
  border: 2px solid rgba(255, 255, 255, 0.25);
  border-radius: var(--ef-radius);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.08);
}

.ef-landing-repayment-label {
  margin: 0 0 0.35rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: #b8d4f0;
}

.ef-landing-repayment-value {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: #fff;
}

.ef-landing-hint {
  margin: 0 0 0.75rem;
  font-size: 0.9375rem;
  color: #b8d4f0;
}

.ef-landing-selection-form {
  margin: 0 0 1rem;
  text-align: center;
}

.ef-landing-selection-form.hidden {
  display: none;
}

.ef-landing-submit-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 10rem;
  padding: 0.875rem 2rem;
  border: none;
  border-radius: var(--ef-radius);
  background: var(--ef-red);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.2);
}

.ef-landing-submit-btn:hover {
  filter: brightness(1.05);
}

.ef-landing-modal {
  position: fixed;
  inset: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
}

.ef-landing-modal.hidden {
  display: none;
}

.ef-landing-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(15, 23, 42, 0.65);
}

.ef-landing-modal-panel {
  position: relative;
  width: 100%;
  max-width: 22rem;
  padding: 1.75rem 1.5rem 1.5rem;
  background: #fff;
  border-radius: var(--ef-radius);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
}

.ef-landing-modal-close {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  border: none;
  background: transparent;
  color: var(--ef-slate);
  font-size: 1.75rem;
  line-height: 1;
  cursor: pointer;
}

.ef-landing-modal-close:hover {
  color: var(--ef-navy);
}

.ef-landing-modal-title {
  margin: 0 0 0.5rem;
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--ef-navy);
  text-align: center;
}

.ef-landing-modal-lead {
  margin: 0 0 1.25rem;
  text-align: center;
  font-size: 0.9375rem;
  color: var(--ef-slate);
}

.ef-landing-modal-periods {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.ef-landing-modal-period-btn {
  display: block;
  width: 100%;
  padding: 0.875rem 1rem;
  border: none;
  border-radius: var(--ef-radius);
  background: var(--ef-red);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.125rem;
  font-weight: 600;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.ef-landing-modal-period-btn:hover {
  filter: brightness(1.05);
}

.ef-landing-modal-period-btn.is-selected {
  outline: 3px solid var(--ef-navy);
  outline-offset: 2px;
}

.ef-landing-tagline {
  margin: 0;
  font-style: italic;
  font-weight: 600;
  color: var(--ef-red);
  font-size: 1.125rem;
}

.ef-landing-auth-hero {
  background: var(--ef-navy);
  color: #fff;
  padding: clamp(2.5rem, 8vh, 5rem) clamp(1.25rem, 4vw, 2.5rem);
  min-height: clamp(20rem, 50vh, 28rem);
  display: flex;
  align-items: center;
  justify-content: center;
}

.ef-landing-auth-inner {
  width: 100%;
  max-width: 40rem;
  text-align: center;
}

.ef-landing-auth-title {
  margin: 0 0 1.75rem;
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 4vw, 2.25rem);
  font-weight: 700;
  line-height: 1.2;
  color: #fff;
}

.ef-landing-auth-cta {
  display: inline-flex;
  margin-bottom: 1.5rem;
  padding: 0.875rem 2.5rem;
  font-size: 1.125rem;
}

.ef-landing-auth-lead {
  margin: 0 0 1.5rem;
  font-size: 1rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
  max-width: 36rem;
  margin-left: auto;
  margin-right: auto;
}

.ef-landing-auth-features {
  list-style: none;
  margin: 0 0 2rem;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.5rem 2.5rem;
}

.ef-landing-auth-feature {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.95);
}

.ef-landing-auth-feature-icon {
  display: inline-flex;
  width: 1.25rem;
  height: 1.25rem;
}

.ef-landing-auth-feature-icon svg {
  width: 100%;
  height: 100%;
}

.ef-landing-login-strip {
  display: block;
  width: 100%;
  max-width: 28rem;
  margin: 0 auto;
  padding: 1rem 1.5rem;
  background: #d4e4f7;
  color: var(--ef-navy);
  text-decoration: none;
  font-size: 1rem;
  border-radius: var(--ef-radius);
  text-align: center;
}

.ef-landing-login-strip:hover {
  background: #c5d9f0;
  color: var(--ef-navy);
}

.ef-landing-login-strip strong {
  font-weight: 700;
}