:root {
  --primary: #1e3a8a;
  --primary-dark: #172554;
  --secondary: #3b82f6;
  --accent: #f59e0b;
  --bg-light: #f8fafc;
  --bg-white: #ffffff;
  --text-dark: #1e293b;
  --text-medium: #475569;
  --text-light: #64748b;
  --border: #e2e8f0;
  --success: #10b981;
  --warning: #f59e0b;
  --danger: #ef4444;
  --radius: 16px;
  --shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
  --shadow-hover: 0 20px 40px rgba(0, 0, 0, 0.1);
}

[data-theme="dark"] {
  --primary: #60a5fa;
  --primary-dark: #3b82f6;
  --secondary: #60a5fa;
  --accent: #fbbf24;
  --bg-light: #0f172a;
  --bg-white: #1e293b;
  --text-dark: #f8fafc;
  --text-medium: #cbd5e1;
  --text-light: #94a3b8;
  --border: #334155;
  --success: #34d399;
  --warning: #fbbf24;
  --danger: #f87171;
  --shadow: 0 4px 6px rgba(0, 0, 0, 0.3);
  --shadow-hover: 0 20px 40px rgba(0, 0, 0, 0.4);
}

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

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  line-height: 1.6;
  color: var(--text-dark);
  background-color: var(--bg-light);
  overflow-x: hidden;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Header */
header {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: white;
  padding: 1rem 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
}

header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo {
  font-size: 1.5rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.logo svg {
  width: 32px;
  height: 32px;
}

nav ul {
  list-style: none;
  display: flex;
  gap: 2rem;
}

nav a {
  color: white;
  text-decoration: none;
  font-weight: 500;
  transition: color 0.3s;
  position: relative;
}

nav a:hover {
  color: var(--accent);
}

nav a::after {
  content: '';
  position: absolute;
  bottom: -5px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--accent);
  transition: width 0.3s;
}

nav a:hover::after {
  width: 100%;
}

.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  color: white;
  font-size: 1.5rem;
  cursor: pointer;
}

/* Hero Section */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
  color: white;
  padding: 5rem 0;
  text-align: center;
}

.hero h1 {
  font-size: 3rem;
  margin-bottom: 1rem;
  font-weight: 800;
}

.hero p {
  font-size: 1.25rem;
  margin-bottom: 2rem;
  opacity: 0.9;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 2rem;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  border: none;
  cursor: pointer;
  font-size: 1rem;
}

.btn-primary {
  background: linear-gradient(135deg, var(--accent) 0%, #fbbf24 100%);
  color: #78350f;
  box-shadow: 0 4px 15px rgba(245, 158, 11, 0.3);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.2);
  filter: brightness(1.05);
}

.btn-secondary {
  background: transparent;
  color: white;
  border: 2px solid rgba(255, 255, 255, 0.5);
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
}

[data-theme="dark"] .btn-secondary {
  border-color: rgba(255, 255, 255, 0.2);
}

[data-theme="dark"] .btn-secondary:hover {
  background: rgba(255, 255, 255, 0.1);
}

.btn-success {
  background: var(--success);
  color: white;
}

.btn-success:hover {
  background: #059669;
}

.btn-danger {
  background: var(--danger);
  color: white;
}

.btn-danger:hover {
  background: #dc2626;
}

/* Sections */
.section {
  padding: 4rem 0;
}

.section-title {
  text-align: center;
  font-size: 2.5rem;
  margin-bottom: 1rem;
  color: var(--primary);
}

.section-subtitle {
  text-align: center;
  color: var(--text-light);
  margin-bottom: 3rem;
  font-size: 1.1rem;
}

/* Cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.card {
  background: var(--bg-white);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
  transition: all 0.3s;
  border: 1px solid var(--border);
  backdrop-filter: blur(10px);
}

.card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
  border-color: var(--secondary);
}

.card-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  color: white;
  font-size: 1.6rem;
  box-shadow: 0 8px 24px rgba(59, 130, 246, 0.25);
}

.card h3 {
  font-size: 1.5rem;
  margin-bottom: 1rem;
  color: var(--primary);
}

.card p {
  color: var(--text-medium);
  line-height: 1.7;
}

.card .btn {
  margin-top: 1.5rem;
  width: 100%;
  text-align: center;
}

/* Features Section */
.features {
  background: var(--bg-white);
}

.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 1.5rem;
  margin-bottom: 2rem;
  padding: 1.5rem;
  border-radius: 12px;
  background: var(--bg-light);
  transition: all 0.3s;
}

.feature-item:hover {
  background: rgba(219, 230, 255, 0.4);
}

.feature-icon {
  width: 50px;
  height: 50px;
  background: var(--secondary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.25rem;
  flex-shrink: 0;
}

.feature-content h4 {
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
  color: var(--primary);
}

.feature-content p {
  color: var(--text-medium);
}

/* Content Pages */
.content-page {
  padding: 3rem 0;
  min-height: calc(100vh - 80px);
}

.content-page .container {
  max-width: 900px;
}

.content-page h1 {
  font-size: 3rem;
  margin-bottom: 1rem;
  color: var(--primary);
}

.content-page .lead {
  font-size: 1.25rem;
  color: var(--text-medium);
  margin-bottom: 2rem;
  line-height: 1.8;
}

.content-section {
  background: var(--bg-white);
  border-radius: 12px;
  padding: 2rem;
  margin-bottom: 2rem;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
  border: 1px solid var(--border);
}

.content-section h2 {
  font-size: 2rem;
  margin-bottom: 1rem;
  color: var(--primary);
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--secondary);
}

.content-section h3 {
  font-size: 1.5rem;
  margin: 1.5rem 0 1rem;
  color: var(--primary-dark);
}

.content-section p {
  margin-bottom: 1rem;
  color: var(--text-medium);
  line-height: 1.8;
  font-size: 1.05rem;
}

.content-section ul {
  margin-left: 2rem;
  margin-bottom: 1rem;
}

.content-section li {
  margin-bottom: 0.5rem;
  color: var(--text-medium);
  line-height: 1.7;
}

.content-section .highlight {
  background: rgba(219, 230, 255, 0.6);
  padding: 1.5rem;
  border-radius: 8px;
  border-left: 4px solid var(--secondary);
  margin: 1.5rem 0;
}

.content-section .highlight p {
  color: var(--primary-dark);
  font-weight: 500;
  margin: 0;
}

/* WIZARD / STEP-BY-STEP INTERFACE */
.wizard-container {
  background: var(--bg-white);
  border-radius: var(--radius);
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
  border: 1px solid var(--border);
  overflow: hidden;
  backdrop-filter: blur(10px);
}

.wizard-header {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: white;
  padding: 2rem;
  text-align: center;
}

.wizard-header h2 {
  margin: 0 0 0.5rem;
  font-size: 1.75rem;
}

.wizard-header p {
  margin: 0;
  opacity: 0.9;
}

.wizard-progress {
  background: var(--bg-white);
  padding: 1.5rem 2rem;
  border-bottom: 1px solid var(--border);
}

.wizard-steps {
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: relative;
  max-width: 800px;
  margin: 0 auto;
}

.wizard-steps::before {
  content: '';
  position: absolute;
  top: 20px;
  left: 40px;
  right: 40px;
  height: 3px;
  background: var(--border);
  z-index: 0;
}

.wizard-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  position: relative;
  z-index: 1;
  flex: 1;
  cursor: pointer;
}

.wizard-step-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--bg-white);
  border: 3px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--text-light);
  transition: all 0.3s;
}

.wizard-step.active .wizard-step-circle {
  border-color: var(--secondary);
  background: var(--secondary);
  color: white;
  transform: scale(1.1);
  box-shadow: 0 4px 12px rgba(59, 130, 246, 0.4);
}

.wizard-step.completed .wizard-step-circle {
  border-color: var(--success);
  background: var(--success);
  color: white;
}

.wizard-step-label {
  font-size: 0.85rem;
  color: var(--text-light);
  text-align: center;
  font-weight: 500;
  transition: color 0.3s;
}

.wizard-step.active .wizard-step-label {
  color: var(--primary);
  font-weight: 600;
}

.wizard-step.completed .wizard-step-label {
  color: var(--success);
}

@media (max-width: 768px) {
  .wizard-steps {
    flex-wrap: wrap;
    gap: 0.5rem;
  }
  .wizard-steps::before {
    display: none;
  }
  .wizard-step {
    flex: 0 0 auto;
  }
  .wizard-step-label {
    font-size: 0.75rem;
  }
}

.wizard-body {
  padding: 2rem;
  min-height: 400px;
}

.wizard-step-content {
  display: none;
  animation: fadeIn 0.4s ease-out;
}

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

.wizard-footer {
  padding: 1.5rem 2rem;
  border-top: 1px solid var(--border);
  background: var(--bg-light);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.wizard-footer .btn {
  min-width: 140px;
}

.wizard-step-counter {
  font-size: 0.95rem;
  color: var(--text-medium);
  font-weight: 500;
}

.wizard-actions {
  display: flex;
  gap: 1rem;
}

/* Step cards for 9 Steps */
.step-card-wizard {
  background: var(--bg-light);
  border-radius: 12px;
  padding: 2rem;
  margin-bottom: 1.5rem;
  border-left: 5px solid var(--secondary);
  transition: all 0.3s;
}

.step-card-wizard:hover {
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.step-card-wizard .step-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.step-card-wizard .step-number {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  flex-shrink: 0;
}

.step-card-wizard h3 {
  color: var(--primary);
  margin: 0;
  font-size: 1.5rem;
}

.step-card-wizard p {
  color: var(--text-medium);
  line-height: 1.7;
  margin-bottom: 1rem;
}

.step-card-wizard .step-actions {
  margin-top: 1.5rem;
}

/* Checklist */
.checklist {
  list-style: none;
  margin: 1rem 0;
}

.checklist li {
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--text-medium);
  cursor: pointer;
  transition: all 0.2s;
}

.checklist li:hover {
  color: var(--primary);
}

.checklist li input[type="checkbox"] {
  width: 20px;
  height: 20px;
  accent-color: var(--secondary);
  cursor: pointer;
}

.checklist li.checked {
  text-decoration: line-through;
  color: var(--text-light);
}

/* Form wizard */
.form-wizard .form-group {
  margin-bottom: 1.5rem;
}

.form-wizard label {
  display: block;
  margin-bottom: 0.5rem;
  font-weight: 600;
  color: var(--primary);
}

.form-wizard label .required {
  color: var(--danger);
  margin-left: 0.25rem;
}

.form-wizard input,
.form-wizard textarea,
.form-wizard select {
  width: 100%;
  padding: 0.75rem;
  border: 2px solid var(--border);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
  transition: border-color 0.3s;
}

.form-wizard input:focus,
.form-wizard textarea:focus,
.form-wizard select:focus {
  outline: none;
  border-color: var(--secondary);
}

.form-wizard textarea {
  min-height: 120px;
  resize: vertical;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

@media (max-width: 768px) {
  .form-row {
    grid-template-columns: 1fr;
  }
}

/* Completion */
.wizard-completion {
  text-align: center;
  padding: 3rem 2rem;
}

.wizard-completion .completion-icon {
  font-size: 4rem;
  margin-bottom: 1rem;
}

.wizard-completion h3 {
  color: var(--success);
  font-size: 2rem;
  margin-bottom: 1rem;
}

.wizard-completion p {
  color: var(--text-medium);
  font-size: 1.1rem;
  margin-bottom: 2rem;
}

/* Footer */
footer {
  background: var(--primary-dark);
  color: white;
  padding: 2rem 0;
  text-align: center;
}

footer p {
  opacity: 0.8;
}

footer a {
  color: var(--accent);
  text-decoration: none;
}

/* Responsive */
@media (max-width: 768px) {
  .hero h1 {
    font-size: 2rem;
  }

  .hero p {
    font-size: 1rem;
  }

  nav {
    display: none;
  }

  .mobile-menu-btn {
    display: block;
  }

  .card-grid {
    grid-template-columns: 1fr;
  }

  .content-page h1 {
    font-size: 2rem;
  }

  .section-title {
    font-size: 2rem;
  }
}

@media (max-width: 768px) {
  nav.active {
    display: block;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--primary-dark);
    padding: 1rem;
  }

  nav.active ul {
    flex-direction: column;
    gap: 1rem;
  }
}

/* Animations */
@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.fade-in {
  animation: fadeIn 0.6s ease-out;
}

/* Print Styles */
@media print {
  header,
  footer,
  .hero,
  .form-actions,
  .no-print,
  .wizard-footer,
  .wizard-progress {
    display: none !important;
  }

  body {
    background: white;
    color: black;
  }

  .wizard-container {
    box-shadow: none;
    border: none;
  }

  .wizard-step-content {
    display: block !important;
  }
}

/* Sidebar for content pages */
.content-layout {
  display: grid;
  grid-template-columns: 250px 1fr;
  gap: 2rem;
  margin-top: 2rem;
}

.sidebar {
  background: var(--bg-white);
  border-radius: 12px;
  padding: 1.5rem;
  height: fit-content;
  position: sticky;
  top: 100px;
  border: 1px solid var(--border);
}

.sidebar h3 {
  font-size: 1.1rem;
  margin-bottom: 1rem;
  color: var(--primary);
}

.sidebar ul {
  list-style: none;
}

.sidebar li {
  margin-bottom: 0.5rem;
}

.sidebar a {
  color: var(--text-medium);
  text-decoration: none;
  display: block;
  padding: 0.5rem;
  border-radius: 6px;
  transition: all 0.2s;
}

.sidebar a:hover,
.sidebar a.active {
  background: rgba(219, 230, 255, 0.6);
  color: var(--primary);
}

@media (max-width: 768px) {
  .content-layout {
    grid-template-columns: 1fr;
  }

  .sidebar {
    position: static;
  }
}

/* Table of Contents */
.toc {
  background: var(--bg-light);
  border-radius: 8px;
  padding: 1.5rem;
  margin-bottom: 2rem;
  border-left: 4px solid var(--secondary);
}

.toc h3 {
  margin-bottom: 1rem;
  color: var(--primary);
}

.toc ol {
  margin-left: 1.5rem;
}

.toc li {
  margin-bottom: 0.5rem;
}

.toc a {
  color: var(--text-medium);
  text-decoration: none;
}

.toc a:hover {
  color: var(--secondary);
}

/* Back to top button */
.back-to-top {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  width: 50px;
  height: 50px;
  background: var(--secondary);
  color: white;
  border: none;
  border-radius: 50%;
  font-size: 1.5rem;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
  z-index: 999;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
}

.back-to-top:hover {
  background: var(--primary);
  transform: translateY(-3px);
}

/* Alert boxes */
.alert {
  padding: 1rem 1.5rem;
  border-radius: 8px;
  margin-bottom: 1.5rem;
  border-left: 4px solid;
}

.alert-info {
  background: rgba(219, 230, 255, 0.6);
  border-color: var(--secondary);
  color: var(--primary-dark);
}

.alert-warning {
  background: #fef3c7;
  border-color: var(--warning);
  color: #92400e;
}

.alert-success {
  background: #d1fae5;
  border-color: var(--success);
  color: #065f46;
}

/* Mode toggle */
.mode-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 1rem;
  background: var(--bg-white);
  border: 2px solid var(--border);
  border-radius: 8px;
  cursor: pointer;
  font-weight: 600;
  color: var(--text-medium);
  transition: all 0.3s;
}

.mode-toggle:hover {
  border-color: var(--secondary);
  color: var(--primary);
}

.mode-toggle.active {
  background: var(--secondary);
  color: white;
  border-color: var(--secondary);
}

/* Step-by-step section viewer */
.section-viewer {
  background: var(--bg-white);
  border-radius: 12px;
  padding: 2rem;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
  border: 1px solid var(--border);
}

.section-viewer h2 {
  color: var(--primary);
  margin-bottom: 1rem;
}

.section-viewer p {
  color: var(--text-medium);
  line-height: 1.8;
  margin-bottom: 1rem;
}

/* Dark mode overrides for wizard.css */
[data-theme="dark"] nav a {
  color: rgba(255, 255, 255, 0.85);
}

[data-theme="dark"] nav a:hover {
  color: var(--accent);
}

[data-theme="dark"] nav a.active {
  color: var(--accent);
}

[data-theme="dark"] .wizard-step.active .wizard-step-label {
  color: var(--secondary);
}

[data-theme="dark"] .wizard-step-label {
  color: var(--text-medium);
}

[data-theme="dark"] .wizard-step .wizard-step-circle {
  background: var(--bg-white);
  border-color: var(--border);
  color: var(--text-medium);
}

[data-theme="dark"] .wizard-step.active .wizard-step-circle {
  background: var(--secondary);
  border-color: var(--secondary);
  color: white;
}

[data-theme="dark"] .wizard-step.completed .wizard-step-circle {
  background: var(--success);
  border-color: var(--success);
  color: white;
}

[data-theme="dark"] .wizard-steps::before {
  background: var(--border);
}

[data-theme="dark"] .wizard-progress {
  background: var(--bg-white);
}

[data-theme="dark"] .wizard-container {
  background: var(--bg-white);
  border-color: var(--border);
}

[data-theme="dark"] .wizard-footer {
  background: var(--bg-light);
}

[data-theme="dark"] .wizard-header {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
}

[data-theme="dark"] .section-viewer h2 {
  color: var(--text-dark);
}

[data-theme="dark"] .section-viewer p {
  color: var(--text-medium);
}

[data-theme="dark"] #creditReportText {
  background: var(--bg-white);
  border-color: var(--border);
  color: var(--text-dark);
}

[data-theme="dark"] .results-summary p {
  color: var(--text-medium);
}

[data-theme="dark"] .results-summary strong {
  color: var(--text-dark);
}

/* Credit report result cards */
[data-theme="dark"] .card[style*="border-left:"] {
  background: var(--bg-white) !important;
}

[data-theme="dark"] .card[style*="border-left:"] h3 {
  color: var(--text-dark) !important;
}

[data-theme="dark"] .card[style*="border-left:"] p {
  color: var(--text-medium) !important;
}

[data-theme="dark"] .card[style*="background: var(--bg-light)"] {
  background: rgba(15, 23, 42, 0.7) !important;
}

[data-theme="dark"] fieldset {
  background: rgba(255, 255, 255, 0.03);
  border-color: var(--border);
}

[data-theme="dark"] legend {
  color: var(--text-medium);
}

[data-theme="dark"] .form-group input[type="file"] {
  background: var(--bg-white);
  border-color: var(--border);
  color: var(--text-dark);
}

[data-theme="dark"] .content-section .highlight {
  background: rgba(30, 58, 138, 0.3);
}

[data-theme="dark"] .content-section .highlight p {
  color: #bfdbfe;
}

[data-theme="dark"] .mode-toggle:hover {
  color: var(--secondary);
}

[data-theme="dark"] .form-wizard label {
  color: var(--secondary);
}

[data-theme="dark"] .checklist li {
  color: var(--text-medium);
}

[data-theme="dark"] .checklist li.checked {
  color: var(--text-light);
}

[data-theme="dark"] .step-card-wizard h3 {
  color: var(--text-dark);
}

[data-theme="dark"] .step-card-wizard p {
  color: var(--text-medium);
}

[data-theme="dark"] .form-section h3 {
  color: var(--text-dark);
}