*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  --bg: #fbfbfd;
  --bg-elevated: #ffffff;
  --text-primary: #1d1d1f;
  --text-secondary: #6e6e73;
  --text-tertiary: #86868b;
  --accent: #0066b2;
  --accent-hover: #0077cc;
  --accent-light: rgba(0, 102, 178, 0.08);
  --border: rgba(0, 0, 0, 0.08);
  --border-strong: rgba(0, 0, 0, 0.12);
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 4px 24px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 12px 48px rgba(0, 0, 0, 0.08);
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'SF Pro Display', 'Segoe UI', sans-serif;
  --transition: 0.4s cubic-bezier(0.25, 0.1, 0.25, 1);
  --nav-height: 52px;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text-primary);
  line-height: 1.5;
  min-height: 100vh;
}

/* ── Navigation ── */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  height: var(--nav-height);
  background: rgba(251, 251, 253, 0.72);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  border-bottom: 1px solid var(--border);
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 15px;
  letter-spacing: -0.01em;
}

.chase-logo {
  width: 22px;
  height: 22px;
  color: var(--accent);
}

.nav-steps {
  display: flex;
  gap: 6px;
}

.nav-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--border-strong);
  transition: all var(--transition);
  cursor: pointer;
  border: none;
  padding: 0;
}

.nav-dot.active {
  background: var(--accent);
  transform: scale(1.25);
}

.nav-dot.done {
  background: var(--accent);
  opacity: 0.4;
}

/* ── Hero ── */
.hero {
  padding: calc(var(--nav-height) + 64px) 24px 48px;
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
}

.hero-eyebrow {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}

.hero-title {
  font-size: clamp(36px, 6vw, 56px);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.08;
  margin-bottom: 16px;
  background: linear-gradient(135deg, var(--text-primary) 0%, #424245 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle {
  font-size: 17px;
  color: var(--text-secondary);
  line-height: 1.6;
  max-width: 480px;
  margin: 0 auto 40px;
}

.hero-progress {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}

.progress-track {
  width: 200px;
  height: 4px;
  background: var(--border-strong);
  border-radius: 2px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: var(--accent);
  border-radius: 2px;
  transition: width var(--transition);
  width: 14.28%;
}

.progress-label {
  font-size: 12px;
  font-weight: 500;
  color: var(--text-tertiary);
  letter-spacing: 0.02em;
}

/* ── Main Layout ── */
.main {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px 80px;
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 48px;
  align-items: start;
}

/* ── Phone Preview ── */
.preview-panel {
  position: sticky;
  top: calc(var(--nav-height) + 24px);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.phone-frame {
  width: 280px;
  background: #1d1d1f;
  border-radius: 40px;
  padding: 12px;
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(255,255,255,0.05) inset;
}

.phone-notch {
  width: 100px;
  height: 24px;
  background: #1d1d1f;
  border-radius: 0 0 16px 16px;
  margin: 0 auto -12px;
  position: relative;
  z-index: 2;
}

.phone-screen {
  background: #fff;
  border-radius: 28px;
  overflow: hidden;
  aspect-ratio: 9/19;
}

.step-screenshot {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top;
  display: block;
  transition: opacity 0.3s ease;
}

.phone-home {
  width: 100px;
  height: 4px;
  background: rgba(255,255,255,0.3);
  border-radius: 2px;
  margin: 10px auto 4px;
}

.preview-caption {
  margin-top: 20px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-tertiary);
  letter-spacing: 0.01em;
}

/* ── Step Panel ── */
.step-panel {
  min-height: 500px;
}

.step-content {
  display: none;
  animation: fadeUp 0.5s cubic-bezier(0.25, 0.1, 0.25, 1);
}

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

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-badge {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--accent);
  background: var(--accent-light);
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.step-title {
  font-size: clamp(28px, 4vw, 36px);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin-bottom: 12px;
}

.step-desc {
  font-size: 16px;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 28px;
  max-width: 520px;
}

/* ── Form Card ── */
.form-card {
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 20px;
}

.field-group {
  border: none;
  margin-bottom: 20px;
}

.field-group:last-child {
  margin-bottom: 0;
}

.field-group legend {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 12px;
  padding: 0;
}

.field-group.nested {
  padding-left: 8px;
  margin-top: 8px;
}

.field {
  margin-bottom: 16px;
}

.field:last-child {
  margin-bottom: 0;
}

.field label {
  display: block;
  font-size: 12px;
  font-weight: 500;
  color: var(--text-tertiary);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 12px 14px;
  font-family: var(--font);
  font-size: 15px;
  color: var(--text-primary);
  background: var(--bg);
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-sm);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-light);
}

.field textarea {
  resize: vertical;
  min-height: 80px;
}

.field-hint {
  display: block;
  font-size: 12px;
  color: var(--text-tertiary);
  margin-top: 6px;
}

.field-hint.warning {
  color: #c93400;
  font-weight: 500;
}

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* ── Radio Cards ── */
.radio-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 8px;
  cursor: pointer;
  transition: all 0.2s;
}

.radio-card:last-child {
  margin-bottom: 0;
}

.radio-card:hover {
  border-color: var(--border-strong);
  background: rgba(0,0,0,0.01);
}

.radio-card.selected {
  border-color: var(--accent);
  background: var(--accent-light);
}

.radio-card input {
  display: none;
}

.radio-indicator {
  width: 20px;
  height: 20px;
  border: 2px solid var(--border-strong);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 1px;
  position: relative;
  transition: all 0.2s;
}

.radio-card.selected .radio-indicator {
  border-color: var(--accent);
}

.radio-card.selected .radio-indicator::after {
  content: '';
  position: absolute;
  inset: 3px;
  background: var(--accent);
  border-radius: 50%;
}

.radio-content strong {
  display: block;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.radio-content small {
  display: block;
  font-size: 13px;
  color: var(--text-tertiary);
  margin-top: 2px;
}

/* ── Category ── */
.category-header {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  font-weight: 600;
  font-size: 15px;
}

.category-header.collapsed {
  opacity: 0.5;
  border-top: 1px solid var(--border);
  margin-top: 12px;
}

.category-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.chevron {
  margin-left: auto;
  color: var(--accent);
}

.chevron.right {
  transform: none;
}

/* ── Branch List ── */
.branch-list {
  margin-top: 16px;
  border-top: 1px solid var(--border);
}

.branch-item {
  display: flex;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
  cursor: pointer;
  transition: background 0.2s;
}

.branch-item:hover {
  background: rgba(0,0,0,0.02);
  margin: 0 -12px;
  padding-left: 12px;
  padding-right: 12px;
  border-radius: var(--radius-sm);
}

.branch-item.selected {
  background: var(--accent-light);
  margin: 0 -12px;
  padding-left: 12px;
  padding-right: 12px;
  border-radius: var(--radius-sm);
}

.branch-info {
  flex: 1;
}

.branch-info strong {
  display: block;
  font-size: 15px;
  font-weight: 600;
}

.branch-info span {
  display: block;
  font-size: 13px;
  color: var(--text-secondary);
  margin-top: 2px;
}

.branch-distance {
  font-size: 12px !important;
  color: var(--text-tertiary) !important;
}

/* ── Location Summary ── */
.location-summary {
  padding-bottom: 16px;
  margin-bottom: 16px;
  border-bottom: 1px solid var(--border);
}

.location-summary strong {
  display: block;
  font-size: 15px;
  font-weight: 600;
}

.location-summary span {
  font-size: 13px;
  color: var(--text-secondary);
}

.section-label {
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 4px;
}

.section-hint {
  font-size: 13px;
  color: var(--text-tertiary);
  margin-bottom: 16px;
}

/* ── Review ── */
.review-section {
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}

.review-section:last-of-type {
  border-bottom: none;
  margin-bottom: 20px;
}

.review-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 6px;
}

.review-label {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-tertiary);
}

.edit-link {
  font-size: 13px;
  font-weight: 500;
  color: var(--accent);
  text-decoration: none;
}

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

.review-value {
  font-size: 16px;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.review-sub {
  font-size: 14px;
  color: var(--text-secondary);
  margin-top: 2px;
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--text-secondary);
  cursor: pointer;
  margin-top: 16px;
}

.checkbox-row input {
  margin-top: 3px;
  accent-color: var(--accent);
}

/* ── Tip Box ── */
.tip-box {
  display: flex;
  gap: 12px;
  padding: 16px 18px;
  background: rgba(0,0,0,0.03);
  border-radius: var(--radius-md);
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.55;
}

.tip-box svg {
  flex-shrink: 0;
  color: var(--text-tertiary);
  margin-top: 1px;
}

.tip-box.highlight {
  background: var(--accent-light);
  color: var(--accent);
}

.tip-box.highlight svg {
  color: var(--accent);
}

.text-link {
  display: inline-block;
  font-size: 14px;
  font-weight: 500;
  color: var(--accent);
  text-decoration: none;
  margin-top: 12px;
}

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

/* ── Navigation Buttons ── */
.step-nav {
  display: flex;
  gap: 12px;
  margin-top: 32px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 14px 28px;
  font-family: var(--font);
  font-size: 15px;
  font-weight: 600;
  border-radius: 980px;
  border: none;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: -0.01em;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
  flex: 1;
}

.btn-primary:hover {
  background: var(--accent-hover);
  transform: scale(1.01);
}

.btn-primary:active {
  transform: scale(0.98);
}

.btn-secondary {
  background: transparent;
  color: var(--text-primary);
  border: 1px solid var(--border-strong);
  min-width: 120px;
}

.btn-secondary:hover:not(:disabled) {
  background: rgba(0,0,0,0.03);
}

.btn-secondary:disabled {
  opacity: 0.35;
  cursor: not-allowed;
}

.btn-confirm {
  background: var(--accent);
}

/* ── Footer ── */
.footer {
  text-align: center;
  padding: 40px 24px 48px;
  border-top: 1px solid var(--border);
}

.footer p {
  font-size: 12px;
  color: var(--text-tertiary);
  line-height: 1.8;
}

.footer-links a {
  color: var(--accent);
  text-decoration: none;
  font-weight: 500;
}

.footer-links a:hover {
  text-decoration: underline;
}

/* ── Toast ── */
.toast {
  position: fixed;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%) translateY(80px);
  background: var(--text-primary);
  color: #fff;
  padding: 14px 28px;
  border-radius: 980px;
  font-size: 14px;
  font-weight: 500;
  opacity: 0;
  transition: all 0.4s cubic-bezier(0.25, 0.1, 0.25, 1);
  z-index: 200;
  pointer-events: none;
  box-shadow: var(--shadow-lg);
}

.toast.show {
  opacity: 1;
  transform: translateX(-50%) translateY(0);
}

/* ── Responsive ── */
@media (max-width: 900px) {
  .main {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .preview-panel {
    position: static;
    order: -1;
  }

  .phone-frame {
    width: 240px;
  }
}

@media (max-width: 600px) {
  .hero {
    padding-top: calc(var(--nav-height) + 40px);
  }

  .field-row {
    grid-template-columns: 1fr;
  }

  .step-nav {
    flex-direction: column-reverse;
  }

  .btn-secondary {
    min-width: auto;
  }

  .nav-steps {
    display: none;
  }
}