/* ============================================
   M CREDIT - Step 1 Registration Form Styles
   Responsive Design - Mobile First Approach
   ============================================ */

/* ===== CSS VARIABLES (DESIGN TOKENS) ===== */
:root {
    /* Brand Colors */
    --mcredit-primary: #00b4fa;
    --mcredit-primary-light: #66d4fc;
    --mcredit-primary-dark: #141ed2;
    --mcredit-white: #FFFFFF;
    --mcredit-black: #000000;
    
    /* Background Colors */
    --mcredit-bg-primary: #FFFFFF;
    --mcredit-bg-secondary: #F8F9FA;
    --mcredit-bg-light: #e8f7fd;
    
    /* Text Colors */
    --mcredit-text-primary: #292929;
    --mcredit-text-secondary: #666666;
    --mcredit-text-tertiary: #999999;
    
    /* Border & Divider */
    --mcredit-border-light: #ECECEC;
    --mcredit-border-medium: #D7D7D7;
    
    /* Status Colors */
    --mcredit-error: #e53e3e;
    --mcredit-success: #28a745;
    --mcredit-warning: #ffc107;
    --mcredit-info: #17a2b8;
    
    /* Spacing Scale */
    --mcredit-space-1: 4px;
    --mcredit-space-2: 8px;
    --mcredit-space-3: 12px;
    --mcredit-space-4: 16px;
    --mcredit-space-5: 20px;
    --mcredit-space-6: 24px;
    --mcredit-space-8: 32px;
    --mcredit-space-10: 40px;
    --mcredit-space-12: 48px;
    
    /* Border Radius */
    --mcredit-radius-sm: 4px;
    --mcredit-radius-md: 8px;
    --mcredit-radius-lg: 12px;
    --mcredit-radius-xl: 16px;
    --mcredit-radius-2xl: 24px;
    --mcredit-radius-full: 9999px;
    
    /* Shadows */
    --mcredit-shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --mcredit-shadow-md: 0 4px 6px rgba(0, 0, 0, 0.1);
    --mcredit-shadow-lg: 0 10px 15px rgba(0, 0, 0, 0.1);
    --mcredit-shadow-xl: 0 20px 25px rgba(0, 0, 0, 0.15);
    
    /* Font Sizes */
    --mcredit-font-xs: 12px;
    --mcredit-font-sm: 14px;
    --mcredit-font-base: 16px;
    --mcredit-font-lg: 18px;
    --mcredit-font-xl: 20px;
    --mcredit-font-2xl: 24px;
    --mcredit-font-3xl: 28px;
    --mcredit-font-4xl: 32px;
    
    /* Font Weights */
    --mcredit-font-normal: 400;
    --mcredit-font-medium: 500;
    --mcredit-font-semibold: 600;
    --mcredit-font-bold: 700;
    
    /* Touch Target */
    --mcredit-touch-target: 48px;
    --mcredit-touch-target-sm: 44px;
    
    /* Transitions */
    --mcredit-transition-fast: 0.15s ease;
    --mcredit-transition-base: 0.3s ease;
    --mcredit-transition-slow: 0.5s ease;
}

/* ===== GLOBAL RESETS ===== */
* {
    box-sizing: border-box;
}

html {
    overflow-x: hidden !important;
    max-width: 100vw !important;
    scroll-behavior: smooth;
}

body {
    font-family: 'Be Vietnam Pro', 'Roboto', sans-serif;
    font-size: var(--mcredit-font-base);
    line-height: 1.5;
    margin: 0;
    padding: 0;
    background: var(--mcredit-bg-secondary);
    color: var(--mcredit-text-primary);
    overflow-x: hidden !important;
    max-width: 100vw !important;
    position: relative;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

/* Remove link underlines */
a, a:hover, a:focus, a:active, a:visited {
    text-decoration: none !important;
}

/* Ensure all containers are responsive */
#site {
    max-width: 100vw !important;
    overflow-x: hidden !important;
}

/* ===== STEP 1 CONTAINER ===== */
.step1-container {
    max-width: 900px;
    margin: 0 auto;
    padding: var(--mcredit-space-4);
}

/* ===== FORM SECTIONS ===== */
.form-section {
    background: var(--mcredit-bg-primary);
    border-radius: var(--mcredit-radius-xl);
    padding: var(--mcredit-space-6);
    margin-bottom: var(--mcredit-space-6);
    box-shadow: var(--mcredit-shadow-md);
    border: 1px solid var(--mcredit-border-light);
    transition: box-shadow var(--mcredit-transition-base);
}

.form-section:hover {
    box-shadow: var(--mcredit-shadow-lg);
}

.form-section-header {
    display: flex;
    align-items: center;
    gap: var(--mcredit-space-4);
    margin-bottom: var(--mcredit-space-6);
    padding-bottom: var(--mcredit-space-4);
    border-bottom: 2px solid var(--mcredit-border-light);
}

.form-section-icon {
    width: var(--mcredit-touch-target);
    height: var(--mcredit-touch-target);
    background: linear-gradient(135deg, var(--mcredit-primary), var(--mcredit-primary-light));
    border-radius: var(--mcredit-radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--mcredit-white);
    font-size: var(--mcredit-font-xl);
    flex-shrink: 0;
}

.form-section-title {
    font-size: var(--mcredit-font-xl);
    font-weight: var(--mcredit-font-semibold);
    color: var(--mcredit-text-primary);
    margin: 0;
}

.form-section-subtitle {
    font-size: var(--mcredit-font-sm);
    color: var(--mcredit-text-secondary);
    margin: var(--mcredit-space-1) 0 0 0;
}

/* ===== FORM GRID ===== */
.form-grid {
    display: grid;
    gap: var(--mcredit-space-5);
    grid-template-columns: 1fr;
}

.form-grid-full {
    grid-column: 1 / -1;
}

/* ===== FORM FIELDS ===== */
.form-field {
    position: relative;
}

.form-field.has-error .form-control,
.form-field.has-error .form-select {
    border-color: var(--mcredit-error);
    box-shadow: 0 0 0 3px rgba(229, 62, 62, 0.1);
}

.form-field.has-success .form-control,
.form-field.has-success .form-select {
    border-color: var(--mcredit-success);
    box-shadow: 0 0 0 3px rgba(40, 167, 69, 0.1);
}

.form-field-icon {
    position: absolute;
    left: var(--mcredit-space-4);
    top: 50%;
    transform: translateY(-50%);
    color: var(--mcredit-text-tertiary);
    z-index: 2;
    pointer-events: none;
}

.form-field.has-icon .form-control,
.form-field.has-icon .form-select {
    padding-left: calc(var(--mcredit-space-4) + 20px + var(--mcredit-space-2));
}

.form-field.has-icon .form-field-icon {
    color: var(--mcredit-primary);
}

/* ===== FORM LABELS ===== */
.form-label {
    font-weight: var(--mcredit-font-medium);
    color: var(--mcredit-primary-dark);
    font-size: var(--mcredit-font-sm);
    margin-bottom: var(--mcredit-space-2);
    display: block;
}

.form-label-span {
    color: var(--mcredit-error);
}

/* ===== FORM CONTROLS ===== */
.form-control, .form-select {
    width: 100%;
    border-radius: var(--mcredit-radius-md);
    border: 1px solid var(--mcredit-border-light);
    padding: var(--mcredit-space-3) var(--mcredit-space-4);
    font-size: var(--mcredit-font-base);
    min-height: var(--mcredit-touch-target);
    font-family: 'Be Vietnam Pro', 'Roboto', sans-serif;
    transition: all var(--mcredit-transition-base);
    background: var(--mcredit-white);
    color: var(--mcredit-text-primary);
    line-height: 1.5;
}

.form-control:focus, .form-select:focus {
    border-color: var(--mcredit-primary);
    box-shadow: 0 0 0 3px rgba(0, 180, 250, 0.1);
    outline: none;
}

.form-control:hover, .form-select:hover {
    border-color: var(--mcredit-primary-light);
}

.form-control.valid, .form-select.valid {
    border-color: var(--mcredit-success) !important;
}

.form-control:disabled, .form-control[readonly] {
    background: #e0e7ff;
    cursor: not-allowed;
    opacity: 0.6;
}

/* Form Select */
.form-select {
    appearance: none;
    background-image: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="currentColor" viewBox="0 0 16 16"><path fill-rule="evenodd" d="M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .707.708l-6 6a.5.5 0 0 1-.707 0l-6-6a.5.5 0 0 1 0-.708z"/></svg>');
    background-repeat: no-repeat;
    background-position: right var(--mcredit-space-3) center;
    background-size: 12px;
    padding-right: var(--mcredit-space-8);
}

.form-select:invalid {
    color: var(--mcredit-text-tertiary);
    font-style: italic;
}

.form-select option {
    color: var(--mcredit-text-primary);
    font-style: normal;
}

/* ===== VALIDATION FEEDBACK ===== */
.invalid-feedback {
    display: none;
    font-size: var(--mcredit-font-xs);
    color: var(--mcredit-error);
    margin-top: var(--mcredit-space-2);
    line-height: 1.4;
}

.was-validated .form-control:invalid,
.was-validated .form-select:invalid,
.form-control.is-invalid,
.form-select.is-invalid,
.custom-select.is-invalid .custom-select-toggle {
    border-color: var(--mcredit-error);
    box-shadow: 0 0 0 3px rgba(229, 62, 62, 0.1);
}

.was-validated .form-control:invalid ~ .invalid-feedback,
.was-validated .form-select:invalid ~ .invalid-feedback,
.form-control.is-invalid ~ .invalid-feedback,
.form-select.is-invalid ~ .invalid-feedback,
.custom-select.is-invalid ~ .invalid-feedback {
    display: block;
}

.form-validation-summary {
    background: rgba(229, 62, 62, 0.1);
    border: 1px solid var(--mcredit-error);
    border-radius: var(--mcredit-radius-md);
    padding: var(--mcredit-space-4);
    margin-bottom: var(--mcredit-space-5);
    display: none;
}

.form-validation-summary.show {
    display: block;
    animation: slideDown 0.3s ease-out;
}

.validation-summary-title {
    font-size: var(--mcredit-font-sm);
    font-weight: var(--mcredit-font-semibold);
    color: var(--mcredit-error);
    margin-bottom: var(--mcredit-space-2);
    display: flex;
    align-items: center;
    gap: var(--mcredit-space-2);
}

.validation-summary-list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.validation-summary-list li {
    font-size: var(--mcredit-font-sm);
    color: var(--mcredit-error);
    margin-bottom: var(--mcredit-space-1);
    padding-left: var(--mcredit-space-5);
    position: relative;
}

.validation-summary-list li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--mcredit-error);
    font-weight: var(--mcredit-font-bold);
}

/* ===== CUSTOM SELECT ===== */
.custom-select {
    position: relative;
    width: 100%;
}

.custom-select-toggle {
    width: 100%;
    padding: var(--mcredit-space-3) var(--mcredit-space-4);
    border: 1px solid var(--mcredit-border-light);
    border-radius: var(--mcredit-radius-md);
    background: var(--mcredit-white);
    display: flex;
    align-items: center;
    cursor: pointer;
    font-size: var(--mcredit-font-base);
    min-height: var(--mcredit-touch-target);
    font-family: 'Be Vietnam Pro', 'Roboto', sans-serif;
    transition: all var(--mcredit-transition-base);
}

.custom-select-toggle:focus {
    border-color: var(--mcredit-primary);
    box-shadow: 0 0 0 3px rgba(0, 180, 250, 0.1);
    outline: none;
}

.custom-select-toggle:hover {
    border-color: var(--mcredit-primary-light);
}

.custom-select-toggle img {
    width: 28px;
    height: 28px;
    margin-right: var(--mcredit-space-2);
    object-fit: contain;
    vertical-align: middle;
}

.custom-select-list {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    background: var(--mcredit-white);
    border: 1px solid var(--mcredit-border-light);
    border-radius: var(--mcredit-radius-md);
    max-height: 300px;
    overflow-y: auto;
    z-index: 1001;
    box-shadow: var(--mcredit-shadow-lg);
    margin-top: var(--mcredit-space-1);
}

.custom-select-list.show {
    display: block;
    animation: fadeInDown 0.3s ease-out;
}

.custom-select-option {
    padding: var(--mcredit-space-3) var(--mcredit-space-4);
    display: flex;
    align-items: center;
    cursor: pointer;
    transition: background var(--mcredit-transition-fast);
    font-size: var(--mcredit-font-base);
    min-height: var(--mcredit-touch-target);
}

.custom-select-option:hover,
.custom-select-option:focus {
    background: var(--mcredit-primary-light);
    color: var(--mcredit-primary-dark);
}

.custom-select-option img {
    width: 28px;
    height: 28px;
    margin-right: var(--mcredit-space-2);
    object-fit: contain;
    vertical-align: middle;
}

/* ===== BUTTONS ===== */
.btn-primary {
    background: linear-gradient(135deg, var(--mcredit-primary) 0%, #66d4fc 100%);
    border: none;
    border-radius: var(--mcredit-radius-lg);
    padding: var(--mcredit-space-4) var(--mcredit-space-6);
    font-weight: var(--mcredit-font-semibold);
    font-size: var(--mcredit-font-base);
    font-family: 'Be Vietnam Pro', 'Roboto', sans-serif;
    transition: all var(--mcredit-transition-base);
    color: var(--mcredit-white);
    min-height: var(--mcredit-touch-target);
    cursor: pointer;
    box-shadow: var(--mcredit-shadow-md);
}

.btn-primary:hover:not(:disabled) {
    background: var(--mcredit-primary-dark);
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(0, 180, 250, 0.4);
}

.btn-primary:active:not(:disabled) {
    transform: translateY(0);
}

.btn-primary:disabled {
    background: var(--mcredit-border-light) !important;
    color: var(--mcredit-text-tertiary) !important;
    cursor: not-allowed;
    transform: none !important;
    box-shadow: none !important;
}

.btn-next {
    min-width: 180px;
    position: relative;
}

.btn-next:not(:disabled) .btn-icon {
    animation: pulse 2s infinite;
}

/* ===== STEP NAVIGATION ===== */
.step-navigation {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: var(--mcredit-space-8);
    padding-top: var(--mcredit-space-6);
    border-top: 1px solid var(--mcredit-border-light);
}

/* ===== STEPS PROGRESS ===== */
.steps {
    display: flex;
    justify-content: center;
    margin: var(--mcredit-space-2) 0;
    gap: var(--mcredit-space-2);
    flex-wrap: nowrap;
}

.step {
    flex: 1;
    text-align: center;
    padding: var(--mcredit-space-2) var(--mcredit-space-2);
    background-color: var(--mcredit-border-light);
    border-radius: var(--mcredit-radius-sm);
    font-size: var(--mcredit-font-xs);
    font-weight: var(--mcredit-font-medium);
    white-space: nowrap;
    min-width: 0;
    overflow: hidden;
    text-overflow: ellipsis;
    transition: all var(--mcredit-transition-base);
    min-height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.step.active {
    background-color: var(--mcredit-primary);
    color: var(--mcredit-white);
    font-weight: var(--mcredit-font-semibold);
}

.step:hover {
    background-color: var(--mcredit-primary-light);
    color: var(--mcredit-primary-dark);
}

/* ===== BANNER HERO ===== */
.banner-hero {
    margin-bottom: var(--mcredit-space-5);
    width: 100%;
    max-width: 100vw;
    overflow: hidden;
    position: relative;
}

.slider-hero {
    width: 100%;
    height: 100%;
    max-width: 1920px;
    margin: 0 auto;
    position: relative;
    background: var(--mcredit-bg-light);
}

.banner-slide,
.slider-item {
    display: none;
    width: 100%;
    height: 100%;
    position: relative;
    min-height: 400px;
}

.banner-slide.active,
.slider-item.active {
    display: block !important;
}

.banner-slide picture,
.slider-item picture {
    display: block;
    width: 100%;
    height: 100%;
}

.banner-slide img,
.slider-item img,
.banner-slide picture img,
.slider-item picture img {
    object-fit: cover;
    width: 100%;
    height: 100%;
    position: absolute;
    top: 0;
    bottom: 0;
    left: 0;
    right: 0;
}

.banner-slide .container,
.slider-item .container {
    display: flex;
    position: relative;
    flex-direction: column;
    align-items: flex-start;
    justify-content: center;
    min-height: 400px;
    padding: var(--mcredit-space-10) var(--mcredit-space-5);
}

.slide-content {
    display: flex;
    flex-direction: column;
    position: relative;
    z-index: 10;
    gap: var(--mcredit-space-5);
}

.slide-content h2 {
    color: var(--mcredit-white);
    font-size: clamp(24px, 4vw, 48px);
    font-weight: var(--mcredit-font-bold);
    margin: 0;
    text-shadow: 2px 2px 8px rgba(0, 0, 0, 0.3);
    line-height: 1.2;
}

.slide-content .break {
    display: block;
}

.slide-description {
    background: rgba(255, 255, 255, 0.95);
    padding: var(--mcredit-space-5) var(--mcredit-space-6);
    border-radius: var(--mcredit-radius-xl);
    max-width: 650px;
    box-shadow: var(--mcredit-shadow-lg);
    animation: slideInUp 0.8s ease-out 0.3s;
    animation-fill-mode: forwards;
    opacity: 0;
}

.banner-slide.active .slide-description {
    opacity: 1;
}

.slide-description p {
    margin: 0 0 var(--mcredit-space-4) 0;
    font-size: var(--mcredit-font-base);
    color: var(--mcredit-text-primary);
    line-height: 1.6;
    font-weight: var(--mcredit-font-semibold);
}

.slide-description ul {
    margin: 0;
    padding-left: var(--mcredit-space-5);
    list-style: none;
    color: var(--mcredit-text-primary);
    font-size: var(--mcredit-font-sm);
    line-height: 1.8;
}

.slide-description ul li {
    margin-bottom: var(--mcredit-space-2);
    position: relative;
    padding-left: var(--mcredit-space-2);
}

.slide-description ul li strong {
    color: var(--mcredit-primary-dark);
}

/* Button Card in Banner */
.button-card {
    display: flex;
    align-items: center;
    background: rgba(255, 255, 255, 0.95);
    padding: var(--mcredit-space-5) var(--mcredit-space-6);
    border-radius: var(--mcredit-radius-lg);
    gap: var(--mcredit-space-5);
    max-width: 600px;
    transition: all var(--mcredit-transition-base);
}

.button-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.15);
}

.card-text {
    display: flex;
    flex-direction: column;
    justify-content: center;
    flex: 1;
}

.card-text .secondary-heading {
    color: var(--mcredit-text-secondary);
    font-size: var(--mcredit-font-sm);
    font-weight: var(--mcredit-font-medium);
    margin: 0 0 var(--mcredit-space-2) 0;
}

.card-text .heading {
    color: var(--mcredit-primary);
    font-size: var(--mcredit-font-xl);
    font-weight: var(--mcredit-font-bold);
    margin: 0;
    line-height: 1.3;
}

.button-card .btn {
    flex-shrink: 0;
    min-width: 140px;
}

/* ===== SLIDER INDICATORS ===== */
.slider-indicator {
    position: absolute;
    bottom: var(--mcredit-space-6);
    left: 50%;
    transform: translateX(-50%);
    z-index: 100;
}

.dots {
    display: flex;
    gap: var(--mcredit-space-3);
    justify-content: center;
    align-items: center;
}

.dot {
    display: inline-block;
    width: 12px;
    height: 12px;
    margin: 0;
    background: rgba(255, 255, 255, 0.4);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    transition: all var(--mcredit-transition-base);
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.2);
}

.dot:hover, .dot:focus {
    background: rgba(255, 255, 255, 0.7);
    transform: scale(1.15);
    outline: none;
}

.dot.active {
    background: var(--mcredit-white);
    transform: scale(1.3);
    box-shadow: 0 3px 8px rgba(0, 0, 0, 0.3);
}

/* ===== PRIVACY CONSENT ===== */
.privacy-consent-box {
    background: var(--mcredit-bg-secondary);
    border: 2px solid var(--mcredit-primary);
    border-radius: var(--mcredit-radius-xl);
    padding: var(--mcredit-space-6);
    margin-bottom: var(--mcredit-space-6);
    transition: all var(--mcredit-transition-base);
}

.privacy-consent-box:hover {
    box-shadow: 0 4px 12px rgba(0, 180, 250, 0.2);
    transform: translateY(-2px);
}

.consent-label {
    display: flex;
    align-items: flex-start;
    cursor: pointer;
    transition: opacity var(--mcredit-transition-base);
}

.consent-label:hover {
    opacity: 0.9;
}

.custom-checkbox-wrapper {
    position: relative;
    flex-shrink: 0;
    margin-right: var(--mcredit-space-4);
    margin-top: 2px;
}

.consent-checkbox {
    position: absolute;
    opacity: 0;
    cursor: pointer;
    width: 28px;
    height: 28px;
}

.custom-checkbox-box {
    display: block;
    width: 28px;
    height: 28px;
    border: 3px solid var(--mcredit-primary);
    border-radius: var(--mcredit-radius-sm);
    background: var(--mcredit-white);
    position: relative;
    transition: all var(--mcredit-transition-base);
    box-shadow: 0 2px 8px rgba(0, 180, 250, 0.2);
}

.custom-checkbox-wrapper:hover .custom-checkbox-box {
    border-color: var(--mcredit-primary-dark);
    box-shadow: 0 4px 12px rgba(0, 180, 250, 0.3);
    transform: scale(1.05);
}

.consent-checkbox:checked + .custom-checkbox-box {
    background: linear-gradient(135deg, var(--mcredit-primary) 0%, #66d4fc 100%) !important;
    border-color: var(--mcredit-primary-dark) !important;
    transform: scale(1.05);
    box-shadow: 0 4px 12px rgba(0, 180, 250, 0.4);
}

.custom-checkbox-check {
    position: absolute;
    display: none;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    color: var(--mcredit-white);
    font-size: 18px;
    font-weight: 900;
    line-height: 1;
}

.consent-checkbox:checked + .custom-checkbox-box .custom-checkbox-check {
    display: block !important;
    animation: checkPop 0.3s ease-out;
}

/* ===== CALCULATION TABLE ===== */
.calculation-table {
    margin-top: var(--mcredit-space-4);
    font-size: var(--mcredit-font-sm);
    width: 100%;
    border-collapse: collapse;
    background: var(--mcredit-white);
    border-radius: var(--mcredit-radius-md);
    overflow: hidden;
    box-shadow: var(--mcredit-shadow-md);
}

.calculation-table th,
.calculation-table td {
    padding: var(--mcredit-space-3);
    text-align: center;
    border: 1px solid var(--mcredit-border-light);
}

.calculation-table th {
    background: var(--mcredit-primary);
    color: var(--mcredit-white);
    font-weight: var(--mcredit-font-medium);
}

.calculation-table tbody tr:nth-child(even) {
    background: var(--mcredit-bg-secondary);
}

.calculation-table tbody tr:hover {
    background: var(--mcredit-bg-light);
}

/* ===== LOADING MODAL ===== */
.loading-modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.9);
    z-index: 9999;
    justify-content: center;
    align-items: center;
    animation: fadeIn 0.3s ease-out;
}

.loading-content {
    text-align: center;
    padding: var(--mcredit-space-10);
    background: var(--mcredit-white);
    border-radius: var(--mcredit-radius-2xl);
    box-shadow: var(--mcredit-shadow-xl);
    max-width: 500px;
    width: 90%;
}

.spinner-circle {
    width: 80px;
    height: 80px;
    border: 6px solid var(--mcredit-bg-light);
    border-top: 6px solid var(--mcredit-primary);
    border-radius: 50%;
    margin: 0 auto var(--mcredit-space-6);
    animation: spin 1s linear infinite;
}

.success-icon {
    display: none;
    margin-bottom: var(--mcredit-space-6);
}

.success-icon > div {
    width: 80px;
    height: 80px;
    background: var(--mcredit-primary);
    border-radius: 50%;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: center;
    animation: scaleIn 0.5s ease-out;
}

.success-icon i {
    font-size: 48px;
    color: var(--mcredit-white);
}

#loadingTitle {
    font-size: var(--mcredit-font-2xl);
    font-weight: var(--mcredit-font-bold);
    color: var(--mcredit-primary);
    margin-bottom: var(--mcredit-space-3);
}

#loadingMessage {
    font-size: var(--mcredit-font-base);
    color: var(--mcredit-text-secondary);
    margin: 0;
}

.progress-bar-container {
    width: 100%;
    height: 8px;
    background: var(--mcredit-bg-light);
    border-radius: var(--mcredit-radius-sm);
    margin-top: var(--mcredit-space-6);
    overflow: hidden;
}

.progress-bar {
    width: 0%;
    height: 100%;
    background: linear-gradient(90deg, var(--mcredit-primary) 0%, var(--mcredit-primary-light) 100%);
    border-radius: var(--mcredit-radius-sm);
    transition: width 0.3s ease;
}

/* ===== AUTO-SAVE INDICATOR ===== */
.auto-save-indicator {
    position: fixed;
    top: var(--mcredit-space-5);
    right: var(--mcredit-space-5);
    background: var(--mcredit-primary);
    color: var(--mcredit-white);
    padding: var(--mcredit-space-3) var(--mcredit-space-5);
    border-radius: var(--mcredit-radius-md);
    font-size: var(--mcredit-font-sm);
    font-weight: var(--mcredit-font-medium);
    opacity: 0;
    transform: translateY(-10px);
    transition: all var(--mcredit-transition-base);
    z-index: 1000;
    box-shadow: var(--mcredit-shadow-lg);
}

.auto-save-indicator.show {
    opacity: 1;
    transform: translateY(0);
}

.auto-save-indicator.success {
    background: var(--mcredit-primary-light);
    color: var(--mcredit-primary-dark);
}

/* ===== ANIMATIONS ===== */
@keyframes spin {
    0% { transform: rotate(0deg); }
    100% { transform: rotate(360deg); }
}

@keyframes scaleIn {
    0% { transform: scale(0); }
    50% { transform: scale(1.2); }
    100% { transform: scale(1); }
}

@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

@keyframes fadeInDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes slideDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes slideInUp {
    0% {
        opacity: 0;
        transform: translateY(30px);
    }
    100% {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes pulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.1); }
}

@keyframes checkPop {
    0% { transform: translate(-50%, -50%) scale(0); }
    50% { transform: translate(-50%, -50%) scale(1.2); }
    100% { transform: translate(-50%, -50%) scale(1); }
}

/* ===== TABLET RESPONSIVE (768px - 991px) ===== */
@media (min-width: 768px) and (max-width: 991px) {
    .step1-container {
        padding: var(--mcredit-space-5);
        max-width: 700px;
    }
    
    .form-grid {
        grid-template-columns: 1fr 1fr;
    }
    
    .form-section {
        padding: var(--mcredit-space-6);
    }
    
    .form-control, .form-select {
        font-size: var(--mcredit-font-base);
        padding: var(--mcredit-space-3) var(--mcredit-space-4);
    }
    
    .banner-slide .container,
    .slider-item .container {
        padding: var(--mcredit-space-8) var(--mcredit-space-5);
    }
    
    .step {
        font-size: var(--mcredit-font-sm);
        padding: var(--mcredit-space-2) var(--mcredit-space-3);
    }
}

/* ===== DESKTOP RESPONSIVE (≥ 992px) ===== */
@media (min-width: 992px) {
    .step1-container {
        padding: var(--mcredit-space-8);
        max-width: 900px;
    }
    
    .form-grid {
        grid-template-columns: 1fr 1fr;
    }
    
    .form-section {
        padding: var(--mcredit-space-8);
    }
    
    .step {
        font-size: var(--mcredit-font-sm);
        padding: var(--mcredit-space-3) var(--mcredit-space-4);
    }
    
    .step-navigation {
        flex-direction: row;
    }
    
    .btn-next {
        width: auto;
    }
}

/* ===== MOBILE RESPONSIVE (< 768px) ===== */
@media (max-width: 767px) {
    /* Container & Spacing */
    .step1-container {
        padding: var(--mcredit-space-4);
        padding-left: max(var(--mcredit-space-4), env(safe-area-inset-left));
        padding-right: max(var(--mcredit-space-4), env(safe-area-inset-right));
    }
    
    .form-section {
        padding: var(--mcredit-space-5);
        padding-left: max(var(--mcredit-space-4), env(safe-area-inset-left));
        padding-right: max(var(--mcredit-space-4), env(safe-area-inset-right));
        margin-bottom: var(--mcredit-space-4);
    }
    
    .form-section-header {
        flex-direction: column;
        text-align: center;
        gap: var(--mcredit-space-3);
    }
    
    /* Form Grid - Force Single Column */
    .form-grid {
        grid-template-columns: 1fr !important;
        gap: var(--mcredit-space-4);
    }
    
    /* Form Controls - Touch Friendly */
    .form-control, .form-select {
        width: 100% !important;
        max-width: 100%;
        min-width: unset;
        padding: var(--mcredit-space-4);
        font-size: var(--mcredit-font-base) !important;
        border-radius: var(--mcredit-radius-md);
        min-height: var(--mcredit-touch-target);
        line-height: 1.4;
    }
    
    /* Hide icons on mobile to save space */
    .form-field-icon {
        display: none !important;
    }
    
    .form-field.has-icon .form-control,
    .form-field.has-icon .form-select {
        padding-left: var(--mcredit-space-4) !important;
    }
    
    /* Labels */
    .form-label {
        font-size: var(--mcredit-font-sm);
        font-weight: var(--mcredit-font-medium);
        margin-bottom: var(--mcredit-space-2);
    }
    
    /* Error Messages */
    .invalid-feedback {
        font-size: var(--mcredit-font-xs);
        margin-top: var(--mcredit-space-2);
        line-height: 1.3;
    }
    
    /* Step Navigation */
    .step-navigation {
        flex-direction: column;
        gap: var(--mcredit-space-4);
        margin-top: var(--mcredit-space-5);
        padding-top: var(--mcredit-space-4);
    }
    
    .btn-next {
        width: 100%;
        min-width: auto;
        padding: var(--mcredit-space-4) var(--mcredit-space-5);
        font-size: var(--mcredit-font-base);
    }
    
    /* Steps Progress */
    .steps {
        gap: var(--mcredit-space-1);
        margin: var(--mcredit-space-2) 0;
    }
    
    .step {
        padding: var(--mcredit-space-2) var(--mcredit-space-1);
        font-size: 10px;
        min-height: 32px;
    }
    
    /* Custom Select */
    .custom-select-toggle {
        padding: var(--mcredit-space-4) !important;
        font-size: var(--mcredit-font-base) !important;
        min-height: var(--mcredit-touch-target) !important;
    }
    
    .custom-select-list {
        max-height: 60vh;
        font-size: var(--mcredit-font-base);
    }
    
    .custom-select-option {
        padding: var(--mcredit-space-3) var(--mcredit-space-4);
        font-size: var(--mcredit-font-base);
        min-height: var(--mcredit-touch-target);
    }
    
    /* Banner */
    .banner-hero {
        margin-bottom: var(--mcredit-space-4);
    }
    
    .banner-slide .container,
    .slider-item .container {
        padding: var(--mcredit-space-5) var(--mcredit-space-4);
        align-items: center;
        min-height: 350px;
    }
    
    .slide-content {
        width: 100%;
        align-items: center;
        text-align: center;
        gap: var(--mcredit-space-3);
    }
    
    .slide-content h2 {
        font-size: var(--mcredit-font-2xl);
        margin-bottom: var(--mcredit-space-4);
    }
    
    .slide-description {
        padding: var(--mcredit-space-4) var(--mcredit-space-5) !important;
        font-size: var(--mcredit-font-sm) !important;
        max-width: 100% !important;
    }
    
    .slide-description p {
        font-size: var(--mcredit-font-sm) !important;
        margin-bottom: var(--mcredit-space-3) !important;
    }
    
    .slide-description ul {
        font-size: var(--mcredit-font-xs) !important;
        padding-left: var(--mcredit-space-4) !important;
    }
    
    .slide-description ul li {
        margin-bottom: var(--mcredit-space-2) !important;
    }
    
    .button-card {
        flex-direction: column !important;
        padding: var(--mcredit-space-4) var(--mcredit-space-5) !important;
        gap: var(--mcredit-space-3) !important;
        width: 100%;
    }
    
    .card-text {
        text-align: center;
    }
    
    .card-text .secondary-heading {
        font-size: var(--mcredit-font-xs);
        margin-bottom: var(--mcredit-space-2);
    }
    
    .card-text .heading {
        font-size: var(--mcredit-font-lg);
    }
    
    .button-card .btn {
        width: 100%;
    }
    
    /* Slider Indicators */
    .slider-indicator {
        bottom: var(--mcredit-space-4);
    }
    
    .dot {
        width: 10px;
        height: 10px;
    }
    
    .dots {
        gap: var(--mcredit-space-2);
    }
    
    /* Privacy Consent */
    .privacy-consent-box {
        padding: var(--mcredit-space-4) !important;
    }
    
    .consent-label span {
        font-size: var(--mcredit-font-sm) !important;
    }
    
    .consent-label strong {
        font-size: var(--mcredit-font-base) !important;
    }
    
    /* Loading Modal */
    .loading-content {
        padding: var(--mcredit-space-8) var(--mcredit-space-5) !important;
        width: 95% !important;
    }
    
    #loadingTitle {
        font-size: var(--mcredit-font-xl) !important;
    }
    
    #loadingMessage {
        font-size: var(--mcredit-font-sm) !important;
    }
    
    .spinner-circle {
        width: 60px !important;
        height: 60px !important;
    }
    
    .success-icon > div {
        width: 60px !important;
        height: 60px !important;
    }
    
    .success-icon i {
        font-size: 36px !important;
    }
    
    /* Calculation Table - Card Layout */
    .calculation-table {
        display: block;
        font-size: var(--mcredit-font-sm);
        border: none;
        box-shadow: none;
    }
    
    .calculation-table thead {
        display: none;
    }
    
    .calculation-table tbody {
        display: block;
    }
    
    .calculation-table tbody tr {
        display: block;
        margin-bottom: var(--mcredit-space-4);
        padding: var(--mcredit-space-4);
        background: var(--mcredit-white);
        border-radius: var(--mcredit-radius-md);
        box-shadow: var(--mcredit-shadow-sm);
        border: none;
    }
    
    .calculation-table tbody td {
        display: flex;
        justify-content: space-between;
        align-items: center;
        padding: var(--mcredit-space-2) 0;
        border: none;
        border-bottom: 1px solid var(--mcredit-border-light);
        text-align: left;
        font-size: var(--mcredit-font-sm);
    }
    
    .calculation-table tbody td:last-child {
        border-bottom: none;
    }
    
    .calculation-table tbody td:before {
        content: attr(data-label);
        font-weight: var(--mcredit-font-medium);
        color: var(--mcredit-primary);
        flex: 0 0 auto;
        margin-right: var(--mcredit-space-2);
    }
}

/* ===== SMALL MOBILE (< 480px) ===== */
@media (max-width: 480px) {
    .step1-container {
        padding: var(--mcredit-space-3);
    }
    
    .form-section {
        padding: var(--mcredit-space-4);
    }
    
    .steps {
        gap: var(--mcredit-space-1);
    }
    
    .step {
        padding: var(--mcredit-space-2) var(--mcredit-space-1);
        font-size: 9px;
        min-height: 28px;
    }
    
    .slide-content h2 {
        font-size: var(--mcredit-font-xl);
    }
}

/* ===== LAYOUT BREAKING FIXES ===== */
/* Prevent horizontal scroll */
html, body, #site, .container, .row {
    overflow-x: hidden !important;
    max-width: 100vw !important;
}

/* Text overflow handling */
.text-truncate {
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
}

.text-wrap {
    word-wrap: break-word;
    overflow-wrap: break-word;
}

/* Images responsive */
img {
    max-width: 100% !important;
    height: auto !important;
}

/* Safe area insets for iPhone X+ */
@supports (padding: max(0px)) {
    body {
        padding-left: max(0px, env(safe-area-inset-left));
        padding-right: max(0px, env(safe-area-inset-right));
    }
}

/* ===== TOOLTIP STYLES ===== */
.tooltip {
    font-size: var(--mcredit-font-sm);
    font-family: 'Be Vietnam Pro', 'Roboto', sans-serif;
}

.tooltip-inner {
    background-color: var(--mcredit-primary-dark);
    color: var(--mcredit-white);
    padding: var(--mcredit-space-2) var(--mcredit-space-3);
    border-radius: var(--mcredit-radius-sm);
    max-width: 250px;
    text-align: left;
    box-shadow: var(--mcredit-shadow-md);
}

.bs-tooltip-top .tooltip-arrow::before {
    border-top-color: var(--mcredit-primary-dark);
}

.bs-tooltip-bottom .tooltip-arrow::before {
    border-bottom-color: var(--mcredit-primary-dark);
}

.bs-tooltip-start .tooltip-arrow::before {
    border-left-color: var(--mcredit-primary-dark);
}

.bs-tooltip-end .tooltip-arrow::before {
    border-right-color: var(--mcredit-primary-dark);
}

.tooltip-icon {
    color: var(--mcredit-primary);
    margin-left: var(--mcredit-space-1);
    cursor: pointer;
    font-size: var(--mcredit-font-base);
}

/* ===== UTILITY CLASSES ===== */
.d-none-mobile {
    display: none !important;
}

@media (min-width: 768px) {
    .d-none-mobile {
        display: inherit !important;
    }
    
    .d-none-desktop {
        display: none !important;
    }
}

/* Gap utilities */
.gap-1 { gap: var(--mcredit-space-1) !important; }
.gap-2 { gap: var(--mcredit-space-2) !important; }
.gap-3 { gap: var(--mcredit-space-3) !important; }
.gap-4 { gap: var(--mcredit-space-4) !important; }
.gap-5 { gap: var(--mcredit-space-5) !important; }

/* Margin utilities */
.mt-0 { margin-top: 0 !important; }
.mb-0 { margin-bottom: 0 !important; }
.mt-3 { margin-top: var(--mcredit-space-3) !important; }
.mb-3 { margin-bottom: var(--mcredit-space-3) !important; }
.mt-4 { margin-top: var(--mcredit-space-4) !important; }
.mb-4 { margin-bottom: var(--mcredit-space-4) !important; }

/* Padding utilities */
.p-0 { padding: 0 !important; }
.p-3 { padding: var(--mcredit-space-3) !important; }
.p-4 { padding: var(--mcredit-space-4) !important; }

/* ===== ACCESSIBILITY ===== */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* Focus visible for keyboard navigation */
*:focus-visible {
    outline: 2px solid var(--mcredit-primary);
    outline-offset: 2px;
}

/* ===== PRINT STYLES ===== */
@media print {
    .banner-hero,
    .step-navigation,
    .auto-save-indicator,
    .loading-modal {
        display: none !important;
    }
    
    .form-section {
        page-break-inside: avoid;
    }
}