:root{ --inst-hero-h: 65vh; }
.section-pad{ padding:100px 0; }
.section-alt{ background:#fafafa; padding:100px 0; }
.lead{ font-size:1.35rem; line-height:1.8; color:#ffffff; max-width:900px; }
.center-note{ text-align:center; color:#444; max-width:900px; margin:0 auto 20px; font-size:1.1rem; }
.btn{ display:inline-flex; align-items:center; justify-content:center; padding:15px 24px; border-radius:12px; font-weight:700; cursor:pointer; transition:transform .15s ease, box-shadow .15s ease; font-size:17px; }
.btn:hover{ transform:translateY(-1px); box-shadow:0 8px 24px rgba(0,0,0,.08); }
.btn-primary{ background:var(--brand-red); color:#fff; border:1px solid var(--brand-red); }
.btn-primary:hover{ background:#b40f22; }
.btn-outline{ background:#fff; color:#121212; border:1px solid var(--border); }
.btn-outline:hover{ border-color:var(--brand-red); }


.gov-breadcrumb{ background:#fff; border-bottom:1px solid var(--border); font-size:17px; }
.gov-breadcrumb .container{ padding:13px 20px; display:flex; align-items:center; justify-content:space-between; gap:20px; }
.gov-breadcrumb ol{ margin:0; padding:0; list-style:none; display:flex; gap:10px; align-items:center; color:#666; }
.gov-breadcrumb a{ color:#444; text-decoration:none; border-bottom:1px dotted transparent; }
.gov-breadcrumb a:hover{ color:var(--brand-red); border-bottom-color:var(--brand-red); }
.gov-breadcrumb li+li::before{ content:"/"; color:#9a9a9a; margin-right:10px; }
.last-update{ color:#888; font-size:15px; }


.subnav{ position:sticky; top:72px; z-index:1500; background:#fff; border-bottom:1px solid var(--border); }
.subnav__row{ display:flex; gap:15px; overflow:auto; white-space:nowrap; padding:13px 0; }
.subnav__link{ padding:10px 16px; border-radius:999px; border:1px solid transparent; color:#333; text-decoration:none; font-weight:600; font-size:17px; }
.subnav__link:hover{ border-color:var(--border); }
.subnav__link.is-active{ background:var(--brand-red); color:#fff; border-color:var(--brand-red); }

.inst-hero--bg{
  position:relative; 
  min-height:var(--inst-hero-h);
  max-height:var(--inst-hero-h);
  background: var(--inst-hero) center/cover no-repeat;
  color:#fff; 
  display:flex;
  align-items:center;
  justify-content:center;
  overflow:hidden;
}
.inst-hero--bg::before{
  content:""; position:absolute; inset:0;
  background:linear-gradient(180deg, rgba(0,0,0,.35), rgba(0,0,0,.55));
  z-index:1;
}
.hero-inner{ 
  position:relative; 
  z-index:2; 
  padding:50px 0; 
  max-width:1000px; 
}
.hero-inner h1{ margin:0 0 10px; font-size:clamp(45px,5.5vw,75px); font-weight:800; }
.hero-cta{ display:flex; gap:13px; margin:18px 0 10px; flex-wrap:wrap; }
.hero-highlights{ list-style:none; margin:18px 0 0; padding:0; display:flex; flex-wrap:wrap; gap:13px; }
.hero-highlights li{ border:1px solid rgba(255,255,255,.4); color:#fff; border-radius:999px; padding:10px 16px; background:rgba(0,0,0,.18); font-size:17px; }

.provider-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 25px;
}

.prov-card {
  display: grid;
  grid-template-columns: 260px 1fr; 
  gap: 25px;
  align-items: center;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 25px;
  box-shadow: 0 6px 20px rgba(0,0,0,.04);
}

.prov-card img {
  width: 100%;
  max-width: 240px;       
  height: auto;
  border: 1px solid var(--border);
  border-radius: 14px;
  object-fit: contain;    
  background: #fff;
}

.bullets {
  list-style: disc;
  margin: 10px 0 0 22px;
  color: #444;
  line-height: 1.8;
  font-size: 17px;
}

@media (max-width: 700px) {
  .prov-card {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .prov-card img {
    max-width: 280px;    
    margin: 0 auto 15px;
  }
}

.two-col{ display:grid; grid-template-columns:1fr 1fr; gap:30px; }
.chips{ list-style:none; margin:0; padding:0; display:flex; flex-wrap:wrap; gap:13px; }
.chips li{ border:1px solid var(--border); border-radius:999px; padding:10px 16px; background:#fff; font-size:17px; }

.offer-cards{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.offer{ background:#fff; border:1px solid var(--border); border-radius:14px; padding:20px; box-shadow:0 3px 10px rgba(0,0,0,.05); }
.offer h3{ margin:0 0 10px; color:#000; font-size:22px; }
.offer p{ margin:0; color:#555; font-size:17px; line-height:1.7; }

.flow-grid{
  display:grid; grid-template-columns:repeat(7,1fr); align-items:center; gap:13px;
}
.flow-step{ opacity:0; transform:translateY(15px); transition:opacity .4s ease, transform .4s ease; }
.flow-step.in{ opacity:1; transform:none; }
.flow-card{ background:#fff; border:1px solid var(--border); border-radius:14px; padding:18px; box-shadow:0 8px 24px rgba(0,0,0,.04); min-height:130px; display:flex; flex-direction:column; gap:8px; font-size:16px; }
.flow-arrow{ display:grid; place-items:center; font-size:30px; color:#b40f22; opacity:.8; transform:translateY(8px); opacity:0; transition:opacity .3s ease .1s, transform .3s ease .1s; }
.flow-arrow.in{ opacity:1; transform:none; }

.faq details{ background:#fff; border:1px solid var(--border); border-radius:14px; padding:15px 18px; box-shadow:0 4px 16px rgba(0,0,0,.04); }
.faq details + details{ margin-top:13px; }
.faq summary{ cursor:pointer; font-weight:700; font-size:18px; padding:5px 0; }
.faq details p{ font-size:17px; line-height:1.7; margin:10px 0 0; }
.note{ font-size:15px; color:#777; margin-top:15px; line-height:1.6; }

@media (max-width:1100px){
  .offer-cards{ grid-template-columns:1fr 1fr; }
  .flow-grid{ grid-template-columns:1fr 50px 1fr 50px 1fr; row-gap:15px; }
}
@media (max-width:900px){
  :root{ --inst-hero-h: 55vh; }
  .two-col{ grid-template-columns:1fr; }
}
@media (max-width:700px){
  :root{ --inst-hero-h: 50vh; }
  .section-pad, .section-alt{ padding:75px 0; }
  .offer-cards{ grid-template-columns:1fr; }
  .flow-grid{ grid-template-columns:1fr; }
  .flow-arrow{ display:none; }
}

.calc-form{ max-width:750px; margin:0 auto 15px; }
.calc-label{ display:block; font-weight:700; margin-bottom:8px; font-size:17px; }
.calc-input-row{ display:flex; gap:13px; align-items:center; }
.calc-input-row input{ flex:1; padding:15px 18px; border:1px solid var(--border); border-radius:12px; font-size:18px; }
.calc-hint{ display:block; color:#777; margin-top:8px; font-size:15px; }
.calc-results{ margin-top:20px; }
.calc-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:15px; }
.calc-card{ background:#fff; border:1px solid var(--border); border-radius:14px; padding:18px; text-align:center; box-shadow:0 6px 18px rgba(0,0,0,.05); }
.calc-step{ font-weight:800; margin-bottom:5px; font-size:18px; }
.calc-date{ color:#555; font-size:17px; }
.calc-amt{ font-weight:800; font-size:22px; margin-top:10px; color:var(--brand-red); }
.calc-summary{ margin-top:15px; display:flex; justify-content:flex-end; gap:15px; align-items:center; font-size:19px; }
@media (max-width:900px){
  .calc-grid{ grid-template-columns:repeat(2,1fr); }
}
@media (max-width:600px){
  .calc-grid{ grid-template-columns:1fr; }
  .calc-input-row{ flex-direction:column; align-items:stretch; }
}


.cta {
  padding: 60px 0 100px;
}

.cta__card.cta--split {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  background: #fff;
  border: 2px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  align-items: center;
  position: relative;
  transition: all 0.3s ease;
}


.cta__copy h3 {
  margin: 0 0 8px;
  font-size: 24px;
  font-weight: 800;
  color: #000;
}

.cta__copy p {
  margin: 0;
  color: #555;
  font-size: 16px;
  line-height: 1.7;
}

.cta__actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}


#calcResults { scroll-margin-top: 140px; }
.inst-hero {
  position: relative;
  overflow: hidden;
}

.inst-hero__bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}

/* ===== REQUEST FORM STYLES ===== */
.request-form {
  max-width: 1000px;
  margin: 30px auto 0;
  background: #fff;
  border: 2px solid var(--border);
  border-radius: 18px;
  padding: 40px;
  box-shadow: 0 8px 32px rgba(0,0,0,.06);
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 25px;
  margin-bottom: 30px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-label {
  font-weight: 700;
  font-size: 17px;
  color: #333;
  display: flex;
  align-items: center;
  gap: 5px;
}

.required {
  color: var(--brand-red);
  font-weight: 700;
  font-size: 18px;
}

.form-input {
  padding: 15px 18px;
  border: 1px solid var(--border);
  border-radius: 12px;
  font-size: 18px;
  font-family: inherit;
  transition: all 0.2s ease;
  background: #fff;
}

.form-input:focus {
  outline: none;
  border-color: var(--brand-red);
  box-shadow: 0 0 0 4px rgba(180, 15, 34, 0.1);
}

.form-input.invalid {
  border-color: #dc3545;
  background: #fff5f5;
}

.form-input.invalid:focus {
  box-shadow: 0 0 0 4px rgba(220, 53, 69, 0.1);
}

.form-error {
  display: none;
  color: #dc3545;
  font-size: 16px;
  margin-top: 5px;
  font-weight: 500;
}

.form-actions {
  display: flex;
  gap: 15px;
  justify-content: flex-start;
  flex-wrap: wrap;
}

.btn-submit {
  min-width: 190px;
  position: relative;
}

.btn-submit:disabled {
  opacity: 0.7;
  cursor: not-allowed;
}

.btn-loader {
  display: flex;
  align-items: center;
  gap: 10px;
}

.spinner {
  width: 22px;
  height: 22px;
  animation: rotate 1s linear infinite;
}

.spinner .path {
  stroke: #fff;
  stroke-linecap: round;
  animation: dash 1.5s ease-in-out infinite;
}

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

@keyframes dash {
  0% {
    stroke-dasharray: 1, 150;
    stroke-dashoffset: 0;
  }
  50% {
    stroke-dasharray: 90, 150;
    stroke-dashoffset: -35;
  }
  100% {
    stroke-dasharray: 90, 150;
    stroke-dashoffset: -124;
  }
}

.form-message {
  margin-top: 25px;
  padding: 20px 25px;
  border-radius: 12px;
  font-weight: 600;
  font-size: 17px;
  text-align: center;
  animation: slideIn 0.3s ease;
  line-height: 1.6;
}

.form-message--success {
  background: #d4edda;
  color: #155724;
  border: 1px solid #c3e6cb;
}

.form-message--error {
  background: #f8d7da;
  color: #721c24;
  border: 1px solid #f5c6cb;
}

@keyframes slideIn {
  from {
    opacity: 0;
    transform: translateY(-12px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

#request {
  scroll-margin-top: 100px;
}

/* Responsive styles for form */
@media (max-width: 768px) {
  .form-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  
  .request-form {
    padding: 30px 25px;
  }
  
  .form-actions {
    flex-direction: column;
  }
  
  .btn-submit {
    width: 100%;
  }
}

@media (max-width: 600px) {
  .request-form {
    padding: 25px 20px;
    margin: 20px 15px 0;
  }
  
  .section-pad, .section-alt {
    padding: 60px 0;
  }
  
  .hero-inner h1 {
    font-size: clamp(35px, 5vw, 60px);
  }
  
  .lead {
    font-size: 1.15rem;
  }
  
  .btn {
    padding: 13px 20px;
    font-size: 16px;
  }
}
/* ============================================
   ELIGIBILITY – NEW CARD DESIGN
   ============================================ */
.eligibility-cards {
  padding: 100px 0;
}

.elig-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
}

.elig-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 35px 32px;
  box-shadow: 0 6px 20px rgba(0,0,0,.05);
  transition: all .25s ease;
}

.elig-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(0,0,0,.08);
}

.elig-title {
  font-size: 24px;
  font-weight: 800;
  margin-bottom: 18px;
  color: #000;
}

.elig-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 14px;
}

.elig-list li {
  font-size: 17px;
  color: #444;
  line-height: 1.7;
  position: relative;
  padding-left: 20px;
}

/* subtle check bullet */
.elig-list li::before {
  content: "✔";
  left: 0;
  top: 0;
  color: var(--brand-red);
  font-size: 16px;
}

/* bullets variant for FYI box */
.elig-card .bullets li::before {
  content: "•";
  font-size: 22px;
  line-height: 0;
  color: var(--brand-red);
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .elig-grid {
    grid-template-columns: 1fr;
  }
}
/* ===============================
   MOBILE IMPROVEMENTS — INSTALLMENTS PAGE
   =============================== */

/* -------- Under 1100px -------- */
@media (max-width: 1100px) {
  .hero-inner {
    padding-left: 40px !important;
    padding-right: 40px !important;
  }
}

/* -------- Under 800px (Tablets + small laptops) -------- */
@media (max-width: 800px) {
  .hero-inner {
    padding-left: 28px !important;
    padding-right: 28px !important;
  }

  .hero-inner h1 {
    font-size: 40px !important;
    line-height: 1.15;
  }

  .lead {
    font-size: 1.15rem;
  }

  .hero-cta {
    gap: 10px;
  }
}

/* -------- Under 600px (Phones) -------- */
@media (max-width: 600px) {

  /* HERO spacing + text */
  .hero-inner {
    padding-left: 18px !important;
    padding-right: 18px !important;
    padding-top: 40px !important;
  }

  .hero-inner h1 {
    font-size: 32px !important;
    line-height: 1.2;
  }

  .lead {
    font-size: 1rem !important;
    margin-bottom: 18px;
  }

  /* CTA buttons */
  .hero-cta .btn {
    padding: 12px 18px !important;
    font-size: 15px !important;
  }

  /* Highlight pills */
  .hero-highlights li {
    font-size: 14px !important;
    padding: 8px 14px;
  }

  /* General section padding */
  .section-pad,
  .section-alt {
    padding: 60px 0 !important;
  }

  /* Eligibility cards */
  .elig-card {
    padding: 25px 22px !important;
  }

  .elig-title {
    font-size: 20px !important;
  }

  .elig-list li {
    font-size: 15px;
  }

  /* Offer cards */
  .offer-cards {
    gap: 16px !important;
  }

  .offer {
    padding: 18px !important;
  }

  .offer h3 {
    font-size: 20px !important;
  }

  /* Calculator input row */
  .calc-input-row {
    flex-direction: column !important;
    gap: 12px !important;
  }

  .calc-grid {
    grid-template-columns: 1fr !important;
  }

  /* Form adjustments */
  .request-form {
    padding: 20px !important;
    margin: 20px 10px 0 !important;
  }

  .form-label {
    font-size: 15px !important;
  }

  .form-input {
    font-size: 16px !important;
    padding: 12px 14px !important;
  }

  .form-actions {
    flex-direction: column;
  }

  .btn-submit {
    width: 100% !important;
  }

  /* CTA footer box */
  .cta__card.cta--split {
    grid-template-columns: 1fr !important;
    text-align: center;
    padding: 26px !important;
    gap: 20px;
  }
}

/* -------- Under 480px (Very small phones) -------- */
@media (max-width: 480px) {
  .hero-inner h1 {
    font-size: 28px !important;
  }

  .hero-cta .btn {
    padding: 10px 16px !important;
    font-size: 14px !important;
  }

  .lead {
    font-size: 0.95rem !important;
  }
}
/* ==========================================================
   FIX: Section titles & blocks sticking to screen edges
   Applies to: Eligible services, Calculator, FAQ, CTA, etc.
   ========================================================== */

/* ---------- Under 1100px (tablets & medium screens) ---------- */
@media (max-width: 1100px) {

  /* Universal container soft padding */
  .container,
  .section-pad,
  .section-alt {
    padding-left: 40px !important;
    padding-right: 40px !important;
  }

  /* Section titles */
  .section-title,
  .center-note {
    padding-left: 4px;
    padding-right: 4px;
  }
}

/* ---------- Under 900px ---------- */
@media (max-width: 900px) {

  .container,
  .section-pad,
  .section-alt {
    padding-left: 32px !important;
    padding-right: 32px !important;
  }

  .section-title {
    font-size: 26px !important;
  }
}

/* ---------- Under 700px ---------- */
@media (max-width: 700px) {

  .container,
  .section-pad,
  .section-alt {
    padding-left: 26px !important;
    padding-right: 26px !important;
  }

  .section-title {
    font-size: 24px !important;
  }

  .center-note {
    font-size: 15px !important;
  }
}

/* ---------- Under 600px (phones) ---------- */
@media (max-width: 600px) {

  .container,
  .section-pad,
  .section-alt {
    padding-left: 18px !important;
    padding-right: 18px !important;
  }

  .section-title {
    font-size: 22px !important;
  }

  /* Fix eligibility cards */
  .elig-card {
    padding-left: 20px !important;
    padding-right: 20px !important;
  }

  /* Fix calculator title + form */
  .calc-form,
  .calc-grid {
    padding-left: 0 !important;
    padding-right: 0 !important;
  }

  /* Fix FAQ (summary + details) */
  .faq details {
    padding-left: 16px !important;
    padding-right: 16px !important;
  }

  /* Fix CTA bottom block */
  .cta__card.cta--split {
    padding-left: 20px !important;
    padding-right: 20px !important;
  }
}
/* ================================
   FIX: Center CTA buttons on small devices
   ================================ */
@media (max-width: 700px) {

  .cta__actions {
    justify-content: center !important;
    text-align: center !important;
    width: 100%;
  }

  /* Optional: Make buttons full-width on very small phones */
  .cta__actions .btn {
    min-width: 160px;
  }
}

@media (max-width: 480px) {
  .cta__actions .btn {
    width: 100%;
    max-width: 300px;
  }
}
/* ------------------------------------------
   INSTALLMENT CTA — MOBILE BEHAVIOR MATCH VIP
   ------------------------------------------ */
@media (max-width: 700px) {
  .cta__actions {
    justify-content: center !important;
    align-items: center !important;
    flex-direction: column !important;
    gap: 14px !important;
    width: 100%;
  }

  .cta__actions .btn {
    width: 100% !important;
    max-width: 300px !important;
  }
}

@media (max-width: 480px) {
  .cta__actions .btn {
    max-width: 260px !important;
  }
}
/* ============================================================
   FIX INSTALLMENT CTA — MATCH ALL OTHER PAGES
   ============================================================ */

.cta__card.cta--split {
    grid-template-columns: 1fr auto !important;
    max-width: 1100px !important;
    margin: 0 auto !important;
    padding: 32px !important;
    gap: 24px !important;
}

/* Make buttons align exactly like other CTAs */
.cta__actions {
    display: flex;
    gap: 12px;
    align-items: center;
    flex-wrap: nowrap;
}

/* Mobile behavior stays same */
@media (max-width: 700px) {
    .cta__card.cta--split {
        grid-template-columns: 1fr !important;
        text-align: center !important;
        padding: 26px !important;
    }

    .cta__actions {
        flex-direction: column !important;
        align-items: center !important;
        justify-content: center !important;
        width: 100% !important;
        gap: 14px !important;
    }

    .cta__actions .btn {
        width: 100% !important;
        max-width: 300px !important;
    }
}
/* ===== FIX FORM OVERFLOW ON VERY SMALL PHONES (≤ 375px) ===== */
@media (max-width: 375px) {

  .container,
  .section-pad,
  .section-alt {
    padding-left: 12px !important;
    padding-right: 12px !important;
  }

  .request-form {
    padding: 18px !important;
  }

  .form-grid {
    grid-template-columns: 1fr !important;
    gap: 16px !important;
  }

  .form-input {
    font-size: 15px !important;
    padding: 10px 12px !important;
    width: 100% !important;
  }

  .btn {
    font-size: 14px !important;
    padding: 10px 14px !important;
  }
}