.finance-page {
  color-scheme: dark;
  background: #08090b;
}

.finance-page .site-nav a[aria-current="page"] { color: var(--gold-bright); }

.finance-hero {
  position: relative;
  min-height: 340px;
  display: flex;
  align-items: end;
  overflow: hidden;
  padding: clamp(4.5rem, 8vw, 7rem) var(--pad) clamp(3.2rem, 6vw, 5.2rem);
  border-bottom: 1px solid rgba(184,146,59,.32);
  background:
    linear-gradient(90deg, rgba(5,6,7,.96) 5%, rgba(5,6,7,.72) 58%, rgba(5,6,7,.4)),
    url("../assets/family-first-hero.png") 72% 58% / cover;
}

.finance-hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 45%;
  background: linear-gradient(0deg, #08090b, transparent);
  pointer-events: none;
}

.finance-hero-copy { position: relative; z-index: 1; width: min(920px, 100%); }
.finance-hero h1 {
  max-width: 780px;
  margin: 0;
  font-family: "Manrope", sans-serif;
  font-size: clamp(3.2rem, 6.6vw, 6.8rem);
  line-height: .91;
  letter-spacing: -.068em;
}
.finance-hero-copy > p:last-child {
  max-width: 590px;
  margin: 1.2rem 0 0;
  color: rgba(255,255,255,.7);
  font-size: clamp(.95rem, 1.35vw, 1.12rem);
  line-height: 1.65;
}

.application-shell {
  width: min(1100px, 100%);
  margin: 0 auto;
  padding-block: clamp(3.5rem, 7vw, 6.5rem);
}

.application-intro {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, .55fr);
  gap: clamp(2rem, 6vw, 6rem);
  align-items: end;
  margin-bottom: 2.5rem;
}
.application-intro h2 {
  max-width: 720px;
  margin: 0;
  font-family: "Manrope", sans-serif;
  font-size: clamp(2.25rem, 4vw, 4.3rem);
  line-height: .98;
  letter-spacing: -.052em;
}
.application-intro > div:first-child > p:last-child {
  max-width: 660px;
  margin: 1rem 0 0;
  color: var(--muted);
  line-height: 1.7;
}

.secure-notice {
  display: flex;
  gap: .9rem;
  align-items: flex-start;
  padding: 1.15rem;
  border: 1px solid rgba(184,146,59,.28);
  border-radius: 14px;
  background: rgba(184,146,59,.07);
}
.secure-icon {
  display: grid;
  place-items: center;
  flex: 0 0 auto;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: rgba(184,146,59,.16);
  color: var(--gold-bright);
  font-size: 1.2rem;
}
.secure-notice > span:last-child { display: grid; gap: .28rem; color: #aaa9a3; font-size: .72rem; line-height: 1.55; }
.secure-notice strong { color: #e0d8c5; font-size: .74rem; }

.application-progress {
  position: relative;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  margin-bottom: 1.25rem;
  padding: 0 1.5rem;
}
.application-progress::before {
  content: "";
  position: absolute;
  left: 10%;
  right: 10%;
  top: 19px;
  height: 1px;
  background: rgba(255,255,255,.12);
}
.progress-step {
  position: relative;
  z-index: 1;
  display: grid;
  justify-items: center;
  gap: .55rem;
  border: 0;
  background: transparent;
  color: #777973;
  cursor: pointer;
}
.progress-step > span {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border: 1px solid #34363a;
  border-radius: 50%;
  background: #111318;
  font-size: .72rem;
  font-weight: 800;
  transition: 180ms ease;
}
.progress-step small { font-size: .68rem; font-weight: 700; }
.progress-step.is-complete > span {
  border-color: rgba(184,146,59,.72);
  background: rgba(184,146,59,.12);
  color: var(--gold-bright);
}
.progress-step.is-active { color: #f4f0e8; }
.progress-step.is-active > span {
  border-color: var(--gold-bright);
  background: linear-gradient(145deg, #a57e30, #d2b467);
  color: #090a0c;
  box-shadow: 0 0 0 5px rgba(184,146,59,.1);
}
.progress-step:disabled { cursor: default; }

.credit-form {
  overflow: hidden;
  border: 1px solid rgba(184,146,59,.28);
  border-radius: 22px;
  background: #101216;
  box-shadow: 0 30px 80px rgba(0,0,0,.28);
}
.credit-form .reveal { opacity: 1; transform: none; }
.mobile-step-label { display: none; }

.form-section {
  min-width: 0;
  margin: 0;
  padding: clamp(2rem, 4.5vw, 4.5rem);
  border: 0;
  animation: step-enter 300ms cubic-bezier(.2,.7,.2,1) both;
}
.form-section + .form-section:not([hidden]) {
  padding-top: 0;
  animation-delay: 70ms;
}
.form-section[hidden],
.conditional-section[hidden],
.vehicle-interest[hidden] { display: none; }

.form-section legend {
  width: 100%;
  margin-bottom: .5rem;
  padding: 0;
  color: #fff;
  font-family: "Manrope", sans-serif;
  font-size: clamp(1.65rem, 2.8vw, 2.7rem);
  font-weight: 800;
  letter-spacing: -.04em;
}
.form-section legend > span {
  display: inline-grid;
  place-items: center;
  width: 34px;
  height: 24px;
  margin-right: .7rem;
  border-radius: 999px;
  background: rgba(184,146,59,.12);
  color: var(--gold-bright);
  font-family: "DM Sans", sans-serif;
  font-size: .62rem;
  letter-spacing: .08em;
  vertical-align: .35rem;
}
.form-section legend > span:empty { display: none; }
.form-section legend small {
  margin-left: .6rem;
  color: #83847f;
  font-family: "DM Sans", sans-serif;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.step-intro {
  max-width: 650px;
  margin: 0 0 2.2rem;
  color: #8f908b;
  font-size: .88rem;
  line-height: 1.65;
}

.form-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.1rem; }
.form-grid-four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.form-grid-two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.span-two { grid-column: span 2; }
.credit-form label:not(.choice-row) {
  display: grid;
  gap: .55rem;
  color: #c7c5be;
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .065em;
  text-transform: uppercase;
}
.credit-form input:not([type="checkbox"]),
.credit-form select {
  width: 100%;
  min-width: 0;
  height: 58px;
  padding: 0 1rem;
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 12px;
  outline: 0;
  background: #181a1f;
  color: #fff;
  font-size: 1rem;
  font-weight: 500;
  letter-spacing: 0;
  text-transform: none;
  transition: border-color 160ms ease, box-shadow 160ms ease, background 160ms ease;
}
.credit-form input::placeholder { color: #666864; }
.credit-form input:hover,
.credit-form select:hover { border-color: rgba(184,146,59,.42); }
.credit-form input:focus,
.credit-form select:focus {
  border-color: var(--gold-bright);
  box-shadow: 0 0 0 4px rgba(184,146,59,.12);
  background: #1b1d22;
}
.credit-form .field-error { border-color: #ba7070 !important; box-shadow: 0 0 0 4px rgba(186,112,112,.08); }
.field-help,
.section-explainer { margin: 1rem 0 0; color: #777973; font-size: .72rem; line-height: 1.6; }
.section-explainer { margin: 0 0 1.4rem; }

.bank-row { margin-bottom: 1.6rem; }
.income-source {
  padding: clamp(1.2rem, 2vw, 1.8rem);
  border: 1px solid rgba(255,255,255,.07);
  border-radius: 16px;
  background: #14161a;
}
.income-source + .income-source { margin-top: 1rem; }
.subsection-heading { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1.4rem; }
.subsection-heading h3 { margin: 0; color: #e7e1d3; font-family: "Manrope", sans-serif; font-size: 1rem; }
.remove-income { border: 0; background: transparent; color: #9d9e99; font-size: .7rem; text-decoration: underline; cursor: pointer; }
.outline-action {
  min-height: 46px;
  margin-top: 1rem;
  padding: .7rem 1rem;
  border: 1px solid rgba(184,146,59,.45);
  border-radius: 10px;
  background: rgba(184,146,59,.06);
  color: var(--gold-bright);
  font-size: .76rem;
  font-weight: 800;
  cursor: pointer;
}
.outline-action:hover { background: rgba(184,146,59,.12); }

.choice-row {
  display: flex;
  align-items: flex-start;
  gap: .9rem;
  padding: 1rem;
  border: 1px solid rgba(255,255,255,.08);
  border-radius: 12px;
  background: #15171b;
  color: #d4d2cb;
  font-size: .8rem;
  line-height: 1.6;
  cursor: pointer;
}
.choice-row + .choice-row { margin-top: .8rem; }
.choice-row input {
  flex: 0 0 auto;
  width: 20px;
  height: 20px;
  margin-top: .1rem;
  accent-color: var(--gold);
}
.vehicle-interest { margin-top: 1rem; }
.preference-grid { margin-top: 1.1rem; }

.agreement-copy {
  max-height: 260px;
  overflow: auto;
  margin-bottom: 1.25rem;
  padding: clamp(1.2rem, 2.5vw, 2rem);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: 14px;
  background: #15171b;
}
.agreement-copy p { margin: 0; color: #a6a6a1; font-size: .8rem; line-height: 1.75; }
.agreement-copy p + p { margin-top: 1rem; }
.agreement-check { border-color: rgba(184,146,59,.38); background: rgba(184,146,59,.07); color: #fff; font-weight: 700; }
.choice-row a { color: var(--gold-bright); text-decoration: underline; }
.policy-summaries { display: grid; gap: .6rem; margin: 1.25rem 0 1.5rem; }
.policy-summaries details { padding: .85rem 1rem; border: 1px solid rgba(255,255,255,.07); border-radius: 10px; background: #14161a; }
.policy-summaries summary { color: #d2cec4; font-size: .75rem; font-weight: 800; cursor: pointer; }
.policy-summaries p { max-width: 780px; color: #8c8d88; font-size: .74rem; line-height: 1.65; }
.submit-application {
  width: 100%;
  min-height: 58px;
  padding: .9rem 1.5rem;
  border: 1px solid var(--gold-bright);
  border-radius: 12px;
  background: linear-gradient(135deg, #8f6925, #c7a651 52%, #987127);
  color: #08090b;
  font-weight: 800;
  cursor: pointer;
}
.submit-application span { margin-left: .75rem; }
.submit-application:disabled { opacity: .35; cursor: not-allowed; filter: grayscale(.35); }
.submit-help,
.form-status { margin: .8rem 0 0; color: #858681; font-size: .72rem; line-height: 1.6; }
.form-status { color: var(--gold-bright); font-weight: 700; }

.form-navigation {
  display: grid;
  grid-template-columns: 130px 1fr 150px;
  align-items: center;
  gap: 1rem;
  min-height: 88px;
  padding: 1rem clamp(1.25rem, 4.5vw, 4.5rem);
  border-top: 1px solid rgba(255,255,255,.08);
  background: rgba(13,15,18,.96);
}
.form-navigation p { display: grid; justify-items: center; gap: .15rem; margin: 0; }
.form-navigation p span { color: #d8d5cd; font-size: .72rem; font-weight: 800; }
.form-navigation p small { color: #777973; font-size: .66rem; }
.step-back,
.step-next {
  min-height: 48px;
  border-radius: 10px;
  font-weight: 800;
  cursor: pointer;
}
.step-back { border: 1px solid rgba(255,255,255,.12); background: transparent; color: #d1d0cb; }
.step-next { border: 1px solid var(--gold-bright); background: linear-gradient(135deg, #8f6925, #c7a651 52%, #987127); color: #08090b; }
.step-back:hover { border-color: rgba(184,146,59,.55); }
.step-next:hover { filter: brightness(1.04); }

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

@media (max-width: 900px) {
  .application-intro { grid-template-columns: 1fr; gap: 1.4rem; }
  .secure-notice { max-width: 680px; }
  .form-grid-four { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 680px) {
  .finance-page .utility-bar { min-height: 30px; font-size: .64rem; }
  .finance-page .site-header { min-height: 70px; }
  .finance-page .brand img { width: 52px; height: 52px; }
  .finance-hero {
    min-height: 285px;
    padding: 3.7rem 1.15rem 2.2rem;
    background-position: 67% center;
  }
  .finance-hero h1 { max-width: 340px; font-size: clamp(2.8rem, 13vw, 4.1rem); }
  .finance-hero-copy > p:last-child { max-width: 330px; margin-top: .9rem; font-size: .9rem; }
  .application-shell { padding: 2.5rem 1rem 4rem; }
  .application-intro { margin-bottom: 1.6rem; }
  .application-intro h2 { font-size: 2.15rem; }
  .application-intro > div:first-child > p:last-child { font-size: .84rem; }
  .secure-notice { padding: .9rem; border-radius: 12px; }
  .application-progress { margin-bottom: 1rem; padding: 0 .25rem; }
  .application-progress::before { left: 10%; right: 10%; top: 16px; }
  .progress-step { gap: 0; }
  .progress-step > span { width: 32px; height: 32px; font-size: .65rem; }
  .progress-step small { display: none; }
  .credit-form { border-radius: 16px; }
  .mobile-step-label {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 1.15rem;
    border-bottom: 1px solid rgba(255,255,255,.07);
    color: #777973;
    font-size: .68rem;
  }
  .mobile-step-label strong { color: var(--gold-bright); }
  .form-section { padding: 1.5rem 1.15rem 2rem; }
  .form-section + .form-section:not([hidden]) { padding-top: .25rem; }
  .form-section legend { font-size: 1.55rem; }
  .form-section legend > span { width: 30px; height: 22px; margin-right: .4rem; }
  .step-intro { margin-bottom: 1.5rem; font-size: .8rem; }
  .form-grid,
  .form-grid-two,
  .form-grid-four { grid-template-columns: 1fr; gap: .9rem; }
  .span-two { grid-column: auto; }
  .credit-form input:not([type="checkbox"]),
  .credit-form select { height: 56px; font-size: 16px; }
  .income-source { padding: .95rem; border-radius: 12px; }
  .choice-row { padding: .9rem; }
  .agreement-copy { max-height: 220px; }
  .form-navigation {
    position: sticky;
    bottom: 0;
    z-index: 5;
    grid-template-columns: 1fr 1.35fr;
    min-height: 76px;
    padding: .8rem;
    box-shadow: 0 -10px 30px rgba(0,0,0,.28);
  }
  .form-navigation p { display: none; }
  .step-back,
  .step-next { min-height: 50px; }
  .step-back[hidden] + p + .step-next { grid-column: 2; }
}

@media (prefers-reduced-motion: reduce) {
  .form-section { animation: none; }
}