/* The Finance Review × Unbiased — Pension LP */

/* ============================================================
   1. DESIGN TOKENS
   ============================================================ */
:root {
  --teal:         #06939D;
  --teal-light:   #67D6D1;
  --teal-dark:    #04636a;
  --teal-pale:    #e8f7f7;
  --teal-faint:   #f4fbfb;
  --navy:         #1C4D90;

  --text-900:     #111111;
  --text-700:     #3a3a3a;
  --text-500:     #595959;
  --text-300:     #909090;
  --text-dark:    #333333;
  --text-grey:    #595959;

  --white:        #ffffff;
  --off-white:    #f7f7f5;
  --form-bg:      #F2F2F2;

  --border-light: #e8e8e8;
  --border-mid:   #d0d0d0;

  --shadow-xs:    0 1px 3px rgba(0,0,0,.06);
  --shadow-sm:    0 2px 8px rgba(0,0,0,.08);
  --shadow-md:    0 4px 16px rgba(0,0,0,.10);
  --shadow-lg:    0 8px 28px rgba(0,0,0,.12);
  --shadow-form:  0 12px 48px rgba(0,0,0,.18), 0 2px 8px rgba(0,0,0,.08);

  --r-sm:   6px;
  --r-md:   10px;
  --r-lg:   14px;
  --r-full: 999px;

  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ============================================================
   2. BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Lato', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }

::selection { background: var(--teal-pale); color: var(--teal-dark); }

:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 3px;
  border-radius: 3px;
}

/* ============================================================
   3. HEADER
   ============================================================ */
.site-header {
  background: var(--white);
  height: 80px;
  position: sticky;
  top: 0;
  z-index: 200;
  border-bottom: 1px solid var(--border-light);
  transition: box-shadow 0.3s var(--ease-out), background 0.3s var(--ease-out);
}

.site-header.scrolled {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 2px 16px rgba(0,0,0,.08);
}

.header-inner {
  display: flex;
  align-items: center;
  max-width: 1236px;
  margin: 0 auto;
  padding: 0 40px;
  height: 100%;
}

.header-logo {
  flex: 1 1 auto;
}

.header-logo img {
  height: 52px;
  width: auto;
}

.header-partnership {
  flex: 0 0 450px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 10px;
}

.header-partnership span {
  font-family: 'Open Sans', sans-serif;
  font-size: 11px;
  font-weight: 400;
  color: var(--text-300);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  white-space: nowrap;
}

.header-partnership img {
  height: 28px;
  width: auto;
}

/* ============================================================
   4. HERO
   ============================================================ */
.hero {
  background-image: url('https://d9hhrg4mnvzow.cloudfront.net/lp.thefinancereview.co.uk/pension/93eceea8-mask-group-1_1000000000000000000028.png');
  background-size: cover;
  background-position: center top;
  min-height: 660px;
  position: relative;
  display: flex;
  align-items: flex-start;
  overflow: hidden;
}

/* Single clean dark overlay — no double-layer vignette */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(0,18,36,0.78) 0%, rgba(0,22,42,0.60) 45%, rgba(0,15,30,0.25) 100%);
  pointer-events: none;
  z-index: 1;
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: flex-start;
  width: 100%;
  max-width: 1236px;
  margin: 0 auto;
  padding: 0 40px;
  gap: 40px;
}

.hero-left {
  flex: 1 1 auto;
  max-width: 560px;
  padding-top: 56px;
  padding-bottom: 56px;
}

.hero-headline {
  font-family: 'Lato', sans-serif;
  font-size: 42px;
  font-weight: 900;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 18px;
  letter-spacing: -0.02em;
}

.hero-headline strong {
  display: block;
  font-size: 34px;
  font-weight: 700;
  margin-top: 6px;
  opacity: 0.95;
}

.hero-subtext {
  font-family: 'Open Sans', sans-serif;
  font-size: 17px;
  font-weight: 400;
  line-height: 1.65;
  color: rgba(255,255,255,0.85);
  margin-bottom: 26px;
  max-width: 500px;
}

.hero-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 28px;
}

.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: 'Open Sans', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--white);
}

.hero-bullets .chk {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--teal);
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-bullets .chk svg {
  width: 13px;
  height: 13px;
  stroke: #fff;
  fill: none;
  stroke-width: 2.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.hero-cta-text {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 400;
  color: rgba(255,255,255,0.92);
  line-height: 1.45;
  margin-bottom: 10px;
}

.hero-cta-text strong { font-weight: 700; }

.hero-note {
  font-family: 'Open Sans', sans-serif;
  font-size: 12px;
  color: rgba(255,255,255,0.60);
  line-height: 1.55;
  letter-spacing: 0.02em;
}

.hero-tp-pill {
  display: inline-flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 6px 8px;
  max-width: 100%;
  margin-bottom: 14px;
  padding: 7px 14px;
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 6px;
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}

.hero-tp-stars {
  display: flex;
  align-items: center;
  gap: 2px;
  flex-shrink: 0;
}

.hero-tp-text {
  font-family: 'Open Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.92);
  line-height: 1.4;
}

.hero-tp-text strong { color: #fff; }

/* ── Form card column ──────────────────────────────────────── */
.hero-right {
  flex: 0 0 450px;
  padding-top: 20px;
  padding-bottom: 20px;
}

/* ============================================================
   5. FORM CARD
   ============================================================ */
.form-card {
  width: 450px;
  background: var(--form-bg);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-form);
  overflow: hidden;
}

/* Flat teal header — no gradients, no shimmer */
.form-card-header {
  background: var(--teal);
  padding: 22px 24px;
  text-align: center;
}

.form-card-header h2 {
  font-family: 'Lato', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.25;
}

.form-scroll {
  padding: 16px 20px 20px;
}

/* Progress bar */
.form-progress { margin-bottom: 14px; }

.form-progress-label {
  font-family: 'Open Sans', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--teal);
  margin-bottom: 6px;
  display: block;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.form-progress-track {
  height: 3px;
  background: var(--border-light);
  border-radius: var(--r-full);
  overflow: hidden;
}

.form-progress-fill {
  height: 100%;
  background: var(--teal);
  border-radius: var(--r-full);
  transition: width 0.4s var(--ease-out);
}

.field-group { margin-bottom: 14px; }

.field-label {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--text-900);
  margin-bottom: 12px;
  display: block;
  line-height: 1.3;
}

/* ── Radio options ─────────────────────────────────────────── */
.radio-list { display: flex; flex-direction: column; gap: 6px; }

.radio-list .opt {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px;
  cursor: pointer;
  border-radius: 8px;
  border: 1.5px solid var(--border-mid);
  background: var(--white);
  transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
}

.radio-list .opt:hover {
  border-color: var(--teal-light);
  background: var(--teal-faint);
}

.radio-list .opt:has(input[type="radio"]:checked) {
  border-color: var(--teal);
  background: rgba(6,147,157,0.07);
  box-shadow: 0 0 0 1px var(--teal);
}

.radio-list .opt:has(input[type="radio"]:checked) .opt-text {
  color: var(--teal-dark);
  font-weight: 600;
}

.radio-list input[type="radio"] {
  appearance: none;
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  border: 2px solid var(--border-mid);
  border-radius: 50%;
  background: var(--white);
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
  pointer-events: none; /* label handles all clicks */
}

.radio-list input[type="radio"]:checked {
  border-color: var(--teal);
  background: var(--teal);
  box-shadow: inset 0 0 0 3px var(--white);
}

.opt-text {
  font-family: 'Open Sans', sans-serif;
  font-size: 15px;
  font-weight: 400;
  color: var(--text-700);
  line-height: 1.3;
  flex: 1;
}

/* ── Step transition animations ────────────────────────────── */
@keyframes stepForward {
  from { opacity: 0; transform: translateX(22px); }
  to   { opacity: 1; transform: translateX(0); }
}

@keyframes stepBackward {
  from { opacity: 0; transform: translateX(-22px); }
  to   { opacity: 1; transform: translateX(0); }
}

.form-step.active {
  animation: stepForward 0.28s var(--ease-out) both;
}

.form-step.active.step-back {
  animation: stepBackward 0.28s var(--ease-out) both;
}

/* ── Text inputs ───────────────────────────────────────────── */
.field-stack {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.text-input {
  width: 100%;
  height: 44px;
  border: 1.5px solid var(--border-mid);
  border-radius: 8px;
  padding: 0 14px;
  font-family: 'Open Sans', sans-serif;
  font-size: 15px;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color 0.15s, box-shadow 0.15s;
}

.text-input:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 1px var(--teal);
}

.text-input::placeholder { color: var(--text-300); }

select.text-input {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='7' viewBox='0 0 10 7'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%23555' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  cursor: pointer;
  padding-right: 36px;
}

/* ── Submit button ─────────────────────────────────────────── */
.btn-submit {
  display: block;
  width: 100%;
  padding: 15px 20px;
  margin-bottom: 14px;
  background: var(--teal);
  color: var(--white);
  font-family: 'Open Sans', sans-serif;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border: none;
  border-radius: var(--r-full);
  cursor: pointer;
  transition: background 0.18s, transform 0.15s;
  line-height: 1.2;
}

.btn-submit:hover {
  background: var(--teal-dark);
  transform: translateY(-1px);
}

.btn-submit:active { transform: translateY(0); }

.form-cta-note {
  text-align: center;
  font-family: 'Open Sans', sans-serif;
  font-size: 11px;
  color: var(--text-300);
  letter-spacing: 0.04em;
  margin-bottom: 10px;
}

/* ── Privacy / consent rows ─────────────────────────────────── */
.form-privacy-row {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin-bottom: 8px;
  padding: 8px 10px;
  background: rgba(6,147,157,0.05);
  border-radius: var(--r-sm);
  border: 1px solid rgba(6,147,157,0.12);
}

.form-privacy-row svg {
  flex-shrink: 0;
  width: 15px;
  height: 15px;
  margin-top: 1px;
  color: var(--teal);
}

.form-privacy-text {
  font-family: 'Open Sans', sans-serif;
  font-size: 11px;
  color: var(--text-500);
  line-height: 1.55;
}

.form-privacy-text strong { color: var(--text-700); }

.form-consent {
  font-family: 'Open Sans', sans-serif;
  font-size: 11px;
  color: var(--text-500);
  line-height: 1.55;
  margin-bottom: 12px;
  padding: 0 2px;
}

.form-consent a {
  color: var(--navy);
  text-decoration: underline;
  text-decoration-color: rgba(28,77,144,0.35);
}

.form-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  padding-top: 10px;
  padding-bottom: 20px;
  border-top: 1px solid var(--border-light);
}

.form-trust img { height: 28px; width: auto; opacity: 0.80; }

/* ============================================================
   6. COUNTERS
   ============================================================ */
.counters-section {
  background: var(--off-white);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 36px 40px;
}

.counters-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  max-width: 860px;
  margin: 0 auto;
}

.stat-item {
  flex: 1;
  text-align: center;
  padding: 8px 32px;
}

.stat-val {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 2px;
  margin-bottom: 6px;
}

.counter-num,
.counter-prefix {
  font-family: 'Lato', sans-serif;
  font-size: 42px;
  font-weight: 900;
  line-height: 1;
  color: var(--teal);
}

.stat-label {
  font-family: 'Open Sans', sans-serif;
  font-size: 14px;
  color: var(--text-500);
  line-height: 1.5;
}

.stat-label strong { color: var(--text-700); font-weight: 700; }

.stat-divider {
  width: 1px;
  height: 52px;
  background: var(--border-mid);
  flex-shrink: 0;
}

/* ============================================================
   7. WHY UNBIASED
   ============================================================ */
.why-section {
  background: var(--white);
  min-height: 520px;
  padding: 56px 0 64px;
  border-top: 2px solid var(--teal-light);
}

.why-inner {
  max-width: 1236px;
  margin: 0 auto;
  padding: 0 40px;
}

.why-heading {
  font-family: 'Lato', sans-serif;
  font-size: 32px;
  font-weight: 400;
  color: var(--text-900);
  text-align: center;
  margin-bottom: 36px;
  line-height: 1.2;
}

.why-heading strong { font-weight: 700; }

.why-body {
  display: flex;
  align-items: flex-start;
  gap: 56px;
}

.why-text {
  flex: 1 1 auto;
  max-width: 620px;
}

.why-text p {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 300;
  color: var(--text-700);
  line-height: 1.9;
  margin-bottom: 18px;
}

.why-photo-col {
  flex: 0 0 400px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
}

.why-photo {
  width: 400px;
  height: 300px;
  border-radius: var(--r-md);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.why-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.btn-book {
  display: inline-block;
  padding: 14px 28px;
  background: var(--teal);
  color: var(--white);
  font-family: 'Lato', sans-serif;
  font-size: 16px;
  font-weight: 600;
  border-radius: var(--r-full);
  border: none;
  cursor: pointer;
  transition: background 0.18s, transform 0.15s;
  text-decoration: none;
  white-space: nowrap;
}

.btn-book:hover {
  background: var(--teal-dark);
  transform: translateY(-1px);
  text-decoration: none;
  color: var(--white);
}

/* ============================================================
   8. 3 STEPS
   ============================================================ */
.steps-section {
  background: var(--teal);
  min-height: 470px;
  padding: 48px 0 56px;
}

.steps-inner {
  max-width: 1236px;
  margin: 0 auto;
  padding: 0 40px;
}

.steps-heading {
  font-family: 'Lato', sans-serif;
  font-size: 32px;
  font-weight: 400;
  color: var(--white);
  text-align: center;
  margin-bottom: 10px;
  line-height: 1.2;
}

.steps-heading strong { font-weight: 700; }

.steps-sub {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 300;
  color: rgba(255,255,255,0.85);
  text-align: center;
  margin-bottom: 36px;
  line-height: 1.6;
  max-width: 820px;
  margin-left: auto;
  margin-right: auto;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

/* Step card — white, flat teal top accent */
.step-card {
  background: var(--white);
  border-radius: var(--r-md);
  padding: 26px 24px;
  position: relative;
  box-shadow: var(--shadow-sm);
  border-top: 3px solid var(--teal-light);
  transition: transform 0.2s var(--ease-out), box-shadow 0.2s;
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.step-badge {
  display: inline-block;
  font-family: 'Lato', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--white);
  background: var(--teal);
  padding: 3px 10px;
  border-radius: var(--r-full);
  margin-bottom: 12px;
  text-transform: uppercase;
}

.step-title {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 300;
  color: var(--teal-dark);
  margin-bottom: 12px;
  line-height: 1.3;
}

.step-title strong { font-weight: 700; color: var(--text-900); }

.step-card p {
  font-family: 'Lato', sans-serif;
  font-size: 15px;
  font-weight: 300;
  color: var(--text-700);
  line-height: 1.8;
}

/* ============================================================
   9. BENEFITS
   ============================================================ */
.benefits-section {
  background: var(--white);
  min-height: 480px;
  padding: 56px 0 64px;
  border-top: 2px solid var(--teal-light);
}

.benefits-inner {
  max-width: 1236px;
  margin: 0 auto;
  padding: 0 40px;
}

.benefits-heading {
  font-family: 'Lato', sans-serif;
  font-size: 32px;
  font-weight: 400;
  color: var(--text-900);
  text-align: center;
  margin-bottom: 44px;
  line-height: 1.25;
}

.benefits-heading strong { font-weight: 700; }

.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  row-gap: 28px;
  column-gap: 44px;
  max-width: 960px;
  margin: 0 auto 44px;
}

.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.benefit-icon-wrap {
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--teal-pale);
  border: 1px solid rgba(103,214,209,0.40);
  display: flex;
  align-items: center;
  justify-content: center;
}

.benefit-icon-wrap svg { width: 26px; height: 26px; }

.benefit-copy { flex: 1; min-width: 0; }

.benefit-copy h3 {
  font-family: 'Lato', sans-serif;
  font-size: 18px;
  font-weight: 400;
  color: var(--text-900);
  margin-bottom: 5px;
  line-height: 1.25;
}

.benefit-copy h3 strong { font-weight: 700; }

.benefit-copy p {
  font-family: 'Lato', sans-serif;
  font-size: 15px;
  font-weight: 400;
  color: var(--text-500);
  line-height: 1.65;
}

.benefits-cta { text-align: center; }

.btn-eligibility {
  display: inline-block;
  padding: 15px 40px;
  background: var(--teal);
  color: var(--white);
  font-family: 'Lato', sans-serif;
  font-size: 16px;
  font-weight: 600;
  border-radius: var(--r-full);
  border: none;
  cursor: pointer;
  transition: background 0.18s, transform 0.15s;
  text-decoration: none;
}

.btn-eligibility:hover {
  background: var(--teal-dark);
  transform: translateY(-1px);
  text-decoration: none;
  color: var(--white);
}

/* ============================================================
   10. TRUSTPILOT SECTION
   ============================================================ */
.trusted-section {
  background: var(--off-white);
  border-top: 2px solid var(--teal-light);
  padding: 52px 0 56px;
}

.trusted-inner {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 40px;
}

.trusted-eyebrow {
  font-family: 'Open Sans', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  text-align: center;
  margin-bottom: 10px;
}

.trusted-heading {
  font-family: 'Lato', sans-serif;
  font-size: 30px;
  font-weight: 300;
  color: var(--text-900);
  text-align: center;
  margin-bottom: 32px;
  line-height: 1.25;
}

.trusted-heading strong { font-weight: 700; }

.tp-wrap { width: 100%; }

/* ============================================================
   11. FOOTER
   ============================================================ */
.site-footer {
  background: var(--off-white);
  min-height: 300px;
  padding: 36px 48px 28px;
  border-top: 1px solid var(--border-light);
}

.footer-inner { max-width: 960px; margin: 0 auto; }

.footer-logo {
  display: flex;
  justify-content: center;
  margin-bottom: 20px;
}

.footer-logo img { height: 40px; width: auto; opacity: 0.75; }

.footer-disclaimer {
  font-family: 'Open Sans', sans-serif;
  font-size: 11.5px;
  color: var(--text-300);
  line-height: 1.7;
  margin-bottom: 20px;
}

.footer-disclaimer strong {
  display: block;
  font-weight: 700;
  color: var(--text-700);
  margin-bottom: 6px;
  font-size: 12px;
}

.footer-buttons {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-bottom: 16px;
}

.btn-footer {
  padding: 7px 20px;
  background: transparent;
  color: var(--teal-dark);
  font-family: 'Open Sans', sans-serif;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.03em;
  border: 1.5px solid rgba(6,147,157,0.35);
  border-radius: var(--r-full);
  cursor: pointer;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
  text-decoration: none;
  display: inline-block;
}

.btn-footer:hover {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
  text-decoration: none;
}

.footer-copy {
  font-family: 'Open Sans', sans-serif;
  font-size: 11px;
  color: var(--text-300);
  text-align: center;
}

/* ============================================================
   12. MODALS
   ============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,10,20,0.65);
  z-index: 9999;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.modal-overlay.open { display: flex; }

.modal-box {
  background: var(--white);
  border-radius: var(--r-lg);
  max-width: 820px;
  width: 100%;
  max-height: 85vh;
  overflow-y: auto;
  padding: 36px 40px;
  position: relative;
  box-shadow: var(--shadow-lg);
  scrollbar-width: thin;
  scrollbar-color: var(--teal-light) transparent;
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 18px;
  background: var(--off-white);
  border: 1px solid var(--border-light);
  border-radius: 50%;
  width: 32px;
  height: 32px;
  font-size: 18px;
  cursor: pointer;
  color: var(--text-500);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s, color 0.15s;
}

.modal-close:hover { background: var(--teal-pale); color: var(--teal-dark); }

.modal-box h3 {
  font-family: 'Lato', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--text-900);
  margin-bottom: 16px;
  padding-right: 40px;
}

.modal-box p {
  font-family: 'Open Sans', sans-serif;
  font-size: 14px;
  color: var(--text-500);
  line-height: 1.75;
  margin-bottom: 12px;
}

/* ============================================================
   13. SCROLL REVEAL
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.55s var(--ease-out), transform 0.55s var(--ease-out);
}

.reveal.visible { opacity: 1; transform: translateY(0); }

.reveal-d1 { transition-delay: 0.1s; }
.reveal-d2 { transition-delay: 0.2s; }
.reveal-d3 { transition-delay: 0.3s; }

/* ============================================================
   14. RESPONSIVE — 1100px
   ============================================================ */
@media (max-width: 1100px) {
  .hero-headline { font-size: 36px; }
  .hero-headline strong { font-size: 28px; }
  .hero-right { flex: 0 0 400px; }
  .form-card { width: 400px; }
  .why-photo-col { flex: 0 0 340px; }
  .why-photo { width: 340px; }
}

/* ============================================================
   15. RESPONSIVE — 960px  (tablet + mobile)
   ============================================================ */
@media (max-width: 960px) {

  /* Header */
  .site-header { height: 60px; }
  .header-inner { padding: 0 16px; }
  .header-logo img { height: 36px; }
  .header-partnership { flex: 0 0 auto; margin-left: auto; justify-content: flex-end; }
  .header-partnership img { height: 20px; }
  .header-partnership span { font-size: 10px; }

  /* Hero — switch to mobile image and vertical layout */
  .hero {
    background-image: url('https://d9hhrg4mnvzow.cloudfront.net/lp.thefinancereview.co.uk/pension/93eceea8-mask-group-1_100000009g0jh0ly000028.png');
    min-height: auto;
  }

  /* Uniform dark overlay for stacked layout — left-to-right gradient looks wrong vertically */
  .hero::before {
    background: linear-gradient(180deg, rgba(0,15,30,0.82) 0%, rgba(0,15,30,0.74) 100%);
  }

  .hero-inner { flex-direction: column; padding: 20px 16px 28px; gap: 16px; }
  .hero-left { max-width: 100%; padding-top: 4px; padding-bottom: 0; }
  .hero-headline { font-size: 26px; letter-spacing: -0.01em; margin-bottom: 12px; }
  .hero-headline strong { font-size: 21px; margin-top: 4px; }
  .hero-subtext { font-size: 15px; line-height: 1.6; margin-bottom: 16px; max-width: 100%; }
  .hero-bullets { gap: 10px; margin-bottom: 16px; }
  .hero-bullets li { font-size: 14px; gap: 10px; }
  .hero-bullets .chk { width: 22px; height: 22px; flex-shrink: 0; }
  .hero-cta-text { display: none; } /* Form is below on mobile — pointing-right hand is wrong */
  .hero-note { font-size: 11px; }

  /* Form card — full width, no center-cap */
  .hero-right { flex: 0 0 auto; width: 100%; padding: 0; }
  .form-card { width: 100%; max-width: 100%; border-radius: var(--r-md); box-shadow: var(--shadow-md); }
  .form-card-header { padding: 16px 18px; }
  .form-card-header h2 { font-size: 17px; }
  .form-scroll { padding: 14px 14px 16px; }
  .field-label { font-size: 16px; }
  .radio-list { gap: 5px; }
  .radio-list .opt { padding: 9px 12px; min-height: 44px; } /* 44px minimum tap target */
  .opt-text { font-size: 14px; }
  .text-input { font-size: 16px; } /* Prevents iOS Safari auto-zoom on focus */

  /* Counters */
  .counters-section { padding: 24px 16px; }
  .stat-item { padding: 6px 14px; }
  .counter-num, .counter-prefix { font-size: 30px; }
  .stat-label { font-size: 12px; }

  /* Content sections — consistent 16px side padding */
  .why-inner { padding: 0 16px; }
  .steps-inner { padding: 0 16px; }
  .benefits-inner { padding: 0 16px; }
  .trusted-inner { padding: 0 16px; max-width: 100%; }
  .why-section { padding: 40px 0 48px; }
  .steps-section { padding: 36px 0 44px; }
  .benefits-section { padding: 40px 0 48px; }
  .trusted-section { padding: 32px 0 36px; }

  .why-body { flex-direction: column; gap: 20px; }
  .why-photo-col { flex: 0 0 auto; width: 100%; }
  .why-photo { width: 100%; height: 220px; }
  .why-heading { font-size: 24px; margin-bottom: 20px; }
  .why-text p { font-size: 15px; line-height: 1.75; margin-bottom: 14px; }

  .steps-heading { font-size: 24px; }
  .steps-sub { font-size: 15px; margin-bottom: 24px; }
  .steps-grid { grid-template-columns: 1fr; gap: 10px; }
  .step-card { padding: 20px 18px; }

  .benefits-heading { font-size: 24px; margin-bottom: 28px; }
  .benefits-grid { grid-template-columns: 1fr; row-gap: 20px; }
  .benefit-item { gap: 14px; }

  .trusted-heading { font-size: 22px; font-weight: 400; }

  .site-footer { padding: 28px 16px 24px; }
  .btn-eligibility { font-size: 15px; padding: 14px 24px; }
  .btn-book { font-size: 15px; padding: 13px 22px; }
}

/* ============================================================
   16. RESPONSIVE — 480px  (phones)
   ============================================================ */
@media (max-width: 480px) {

  /* Hero */
  .hero-inner { padding: 16px 14px 24px; }
  .hero-headline { font-size: 22px; }
  .hero-headline strong { font-size: 17px; }
  .hero-bullets li { font-size: 13px; }

  /* Form card — square corners feel more native at full bleed */
  .form-card { border-radius: var(--r-sm); }
  .form-card-header { padding: 14px 14px; }
  .form-card-header h2 { font-size: 15px; }
  .form-scroll { padding: 12px 12px 14px; }
  .field-label { font-size: 15px; margin-bottom: 10px; }
  .radio-list .opt { padding: 8px 10px; }
  .form-trust img { height: 22px; }
  .form-trust { gap: 10px; }

  /* Counters — stack vertically on small phones */
  .counters-inner { flex-direction: column; gap: 0; }
  .stat-item { padding: 14px 20px; }
  .stat-divider { width: 44px; height: 1px; }
  .counter-num, .counter-prefix { font-size: 34px; }
  .stat-label { font-size: 13px; }

  /* Content */
  .why-photo { height: 180px; }
  .step-card { padding: 18px 14px; }
  .benefit-icon-wrap { width: 48px; height: 48px; flex-shrink: 0; }
  .benefit-icon-wrap svg { width: 22px; height: 22px; }

  /* Buttons — large tap targets */
  .btn-book,
  .btn-eligibility { min-height: 48px; }
  .footer-buttons { flex-wrap: wrap; gap: 10px; }
}

/* ============================================================
   2FA VERIFY STEP
   ============================================================ */
.verify-wrap {
  text-align: center;
  padding: 6px 0 2px;
}

.verify-icon {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(6,147,157,.12) 0%, rgba(103,214,209,.18) 100%);
  border: 1.5px solid rgba(6,147,157,.2);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
}

.verify-heading {
  font-family: 'Lato', sans-serif;
  font-size: 22px; font-weight: 700;
  color: var(--text-900);
  margin-bottom: 6px;
}

.verify-subtext {
  font-family: 'Open Sans', sans-serif;
  font-size: 13px; color: var(--text-500);
  margin-bottom: 2px;
}

.verify-phone {
  font-family: 'Open Sans', sans-serif;
  font-size: 16px; font-weight: 700;
  color: var(--teal);
  margin-bottom: 22px;
  letter-spacing: 0.04em;
}

/* ── Digit row ─────────────────────────────────────────────── */
.verify-digits {
  display: flex;
  flex-wrap: nowrap;         /* never wrap regardless of container */
  gap: 8px;
  justify-content: center;
  align-items: center;
  margin: 0 auto 8px;
}

.verify-digit {
  /* Explicit sizing — flex shorthand prevents grow/shrink */
  flex: 0 0 46px;
  width: 46px;
  min-width: 0;              /* override browser implicit min-content */
  height: 58px;
  padding: 0;
  text-align: center;
  font-family: 'Lato', sans-serif;
  font-size: 28px; font-weight: 700;
  color: var(--text-900);
  border: 2px solid var(--border-mid);
  border-radius: 10px;
  background: var(--white);
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  caret-color: var(--teal);
  transition: border-color .15s, box-shadow .15s, background .15s;
}

.verify-digit:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(6,147,157,.18);
  background: rgba(6,147,157,.03);
}

.verify-digit.filled {
  border-color: var(--teal);
  background: rgba(6,147,157,.04);
}

/* ── Supporting text + buttons ─────────────────────────────── */
.verify-resend {
  font-family: 'Open Sans', sans-serif;
  font-size: 13px; color: var(--text-300);
  margin-top: 16px;
  line-height: 1.5;
}

.btn-resend {
  -webkit-appearance: none;
  appearance: none;
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Open Sans', sans-serif;
  font-size: 13px;
  color: var(--teal);
  text-decoration: underline;
  text-underline-offset: 2px;
  padding: 0;
  line-height: inherit;
  display: inline;
}

/* Tighten digit gap on very small screens */
@media (max-width: 380px) {
  .verify-digits { gap: 6px; }
  .verify-digit { flex: 0 0 40px; width: 40px; height: 52px; font-size: 24px; border-radius: 8px; }
}