*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; background: #f5f7fa; color: #1a2332; line-height: 1.5; overflow-x: hidden; }

/* ═══════════════════════════════════════════════════════════════
   DESIGN TOKENS
═══════════════════════════════════════════════════════════════ */
:root {
  --be-navy:       #0d1f3c;
  --be-navy-mid:   #1a3260;
  --be-teal:       #00c2a8;
  --be-teal-dark:  #009e89;
  --be-coral:      #ff6b52;
  --be-coral-dark: #e5533c;
  --be-white:      #ffffff;
  --be-offwhite:   #f5f7fa;
  --be-border:     #dde2eb;
  --be-muted:      #6b7a99;
  --be-text:       #1a2332;
  --be-green:      #22c55e;
  --be-yellow:     #f59e0b;
  --radius-sm:     6px;
  --radius-md:     12px;
  --radius-lg:     20px;
  --shadow-card:   0 2px 16px rgba(13,31,60,.10);
  --shadow-btn:    0 4px 14px rgba(255,107,82,.40);
  --shadow-modal:  0 24px 80px rgba(13,31,60,.25);
}

/* ═══════════════════════════════════════════════════════════════
   NAVBAR
═══════════════════════════════════════════════════════════════ */
.be-nav {
  position: sticky; top: 0; z-index: 200;
  background: var(--be-white);
  border-bottom: 1px solid var(--be-border);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 48px; height: 64px;
}
.be-nav-logo {
  display: flex; align-items: center; gap: 8px; text-decoration: none; cursor: pointer;
}
.be-nav-logo-icon {
  
  display: flex; align-items: center; justify-content: center;
  color: var(--be-teal); font-family: 'Manrope', sans-serif; font-weight: 800; font-size: 16px;
}

.be-nav-logo-icon img {
  width: 40px;
}
.be-nav-logo-text { font-family: 'Manrope', sans-serif; font-weight: 700; font-size: 17px; color: var(--be-navy); }
.be-nav-logo-text span { color: #0065fd; }
.be-nav-links { display: flex; align-items: center; gap: 32px; list-style: none; }
.be-nav-links a { text-decoration: none; color: var(--be-muted); font-size: 14px; font-weight: 500; transition: color .2s; }
.be-nav-links a:hover { color: var(--be-navy); }
.be-nav-cta {
  background: var(--be-coral); color: var(--be-white); border: none; border-radius: 50px;
  padding: 10px 22px; font-size: 14px; font-weight: 600;
  cursor: pointer; transition: background .2s, transform .15s;
}
.be-nav-cta:hover { background: var(--be-coral-dark); transform: translateY(-1px); }

/* Hamburger */
.be-nav-hamburger {
  display: none; flex-direction: column; gap: 5px; cursor: pointer;
  background: none; border: none; padding: 4px;
}
.be-nav-hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--be-navy); border-radius: 2px; transition: all .25s;
}
.be-nav-hamburger.be-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.be-nav-hamburger.be-open span:nth-child(2) { opacity: 0; }
.be-nav-hamburger.be-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.be-mobile-menu {
  display: none; position: fixed; top: 64px; left: 0; right: 0; bottom: 0;
  background: var(--be-white); z-index: 190; padding: 32px 24px;
  flex-direction: column; gap: 0;
}
.be-mobile-menu.be-open { display: flex; }
.be-mobile-menu a {
  text-decoration: none; color: var(--be-navy); font-size: 18px; font-weight: 600;
  padding: 16px 0; border-bottom: 1px solid var(--be-border); display: block;
}
.be-mobile-menu-cta {
  margin-top: 24px; padding: 14px; background: var(--be-coral); color: var(--be-white);
  border: none; border-radius: 50px; font-size: 16px; font-weight: 700;
  cursor: pointer; width: 100%;
}

/* ═══════════════════════════════════════════════════════════════
   HERO
═══════════════════════════════════════════════════════════════ */
.be-hero {
  background: var(--be-navy); padding: 80px 48px 96px;
  position: relative; overflow: hidden;
}
.be-hero::before {
  content: ''; position: absolute; top: -120px; right: -80px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(0,194,168,.15) 0%, transparent 70%);
  pointer-events: none;
}
.be-hero::after {
  content: ''; position: absolute; bottom: -100px; left: -60px;
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(255,107,82,.08) 0%, transparent 70%);
  pointer-events: none;
}
.be-hero-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
  position: relative; z-index: 1;
}
.be-hero-eyebrow {
  font-size: 12px; font-weight: 600; letter-spacing: .12em;
  color: var(--be-teal); text-transform: uppercase; margin-bottom: 16px;
}
.be-hero-headline {
  font-family: 'Manrope', sans-serif;
  font-size: clamp(32px, 4vw, 52px); font-weight: 800; line-height: 1.1;
  color: var(--be-white); margin-bottom: 8px;
}
.be-hero-headline-accent { color: var(--be-teal); display: block; }
.be-hero-sub { font-size: 15px; color: rgba(255,255,255,.65); margin-bottom: 40px; max-width: 400px; line-height: 1.6; }
.be-hero-trust { display: flex; gap: 20px; flex-wrap: wrap; }
.be-hero-trust-item { display: flex; align-items: center; gap: 7px; font-size: 13px; color: rgba(255,255,255,.55); }
.be-hero-trust-item svg { color: var(--be-teal); flex-shrink: 0; }

/* Quick Form */
.be-quick-form {
  background: var(--be-white); border-radius: var(--radius-lg);
  padding: 32px; box-shadow: 0 24px 64px rgba(0,0,0,.3);
}
.be-quick-form-title { font-family: 'Manrope', sans-serif; font-size: 18px; font-weight: 700; color: var(--be-navy); margin-bottom: 4px; }
.be-quick-form-sub { font-size: 13px; color: var(--be-muted); margin-bottom: 24px; }
.be-quick-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
.be-qf-field { display: flex; flex-direction: column; gap: 5px; }
.be-qf-field label { font-size: 12px; font-weight: 600; color: var(--be-muted); text-transform: uppercase; letter-spacing: .06em; }
.be-qf-field input, .be-qf-field select {
  border: 1.5px solid var(--be-border); border-radius: var(--radius-sm);
  padding: 10px 12px; font-size: 14px; color: var(--be-text);
  font-family: inherit; outline: none; transition: border-color .2s; background: var(--be-white);
  -webkit-appearance: none; appearance: none;
}
.be-qf-field input:focus, .be-qf-field select:focus { border-color: var(--be-teal); }
.be-qf-field.be-qf-full { grid-column: 1 / -1; }
.be-qf-submit {
  width: 100%; padding: 15px; background: var(--be-coral); color: var(--be-white);
  border: none; border-radius: 50px; font-size: 15px; font-weight: 700;
  cursor: pointer; box-shadow: var(--shadow-btn); transition: background .2s, transform .15s; margin-top: 4px;
}
.be-qf-submit:hover { background: var(--be-coral-dark); transform: translateY(-1px); }
.be-qf-fine { text-align: center; font-size: 11px; color: var(--be-muted); margin-top: 10px; line-height: 1.5; }
.be-qf-fine a { color: var(--be-teal); text-decoration: none; }

/* ═══════════════════════════════════════════════════════════════
   PROOF STRIP
═══════════════════════════════════════════════════════════════ */
.be-proof-strip {
  background: var(--be-offwhite); border-top: 1px solid var(--be-border);
  border-bottom: 1px solid var(--be-border); padding: 20px 48px;
}
.be-proof-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap;
}
.be-proof-item { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--be-muted); font-weight: 500; }
.be-proof-item svg { color: var(--be-teal); }

/* ═══════════════════════════════════════════════════════════════
   STATS BAR
═══════════════════════════════════════════════════════════════ */
.be-stats-bar {
  background: var(--be-navy); padding: 48px;
}
.be-stats-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center;
}
.be-stat-number {
  font-family: 'Manrope', sans-serif; font-size: 40px; font-weight: 800;
  color: var(--be-teal); line-height: 1; margin-bottom: 6px;
}
.be-stat-label { font-size: 13px; color: rgba(255,255,255,.55); font-weight: 500; }

/* ═══════════════════════════════════════════════════════════════
   HOW IT WORKS
═══════════════════════════════════════════════════════════════ */
.be-hiw { padding: 96px 48px; background: var(--be-white); }
.be-section-header { text-align: center; margin-bottom: 64px; }
.be-section-eyebrow {
  font-size: 12px; font-weight: 600; letter-spacing: .12em;
  color: var(--be-teal); text-transform: uppercase; margin-bottom: 12px;
}
.be-section-title {
  font-family: 'Manrope', sans-serif; font-size: clamp(26px, 3vw, 40px);
  font-weight: 800; color: var(--be-navy); margin-bottom: 12px;
}
.be-section-sub { font-size: 15px; color: var(--be-muted); max-width: 500px; margin: 0 auto; line-height: 1.6; }
.be-hiw-steps { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; position: relative; }

.be-hiw-step { text-align: center; position: relative; z-index: 1; }
.be-hiw-step-num {
  width: 72px; height: 72px; border-radius: 50%; margin: 0 auto 20px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Manrope', sans-serif; font-size: 22px; font-weight: 800;
  position: relative;
}
.be-hiw-step:nth-child(1) .be-hiw-step-num, .be-hiw-step:nth-child(2) .be-hiw-step-num, .be-hiw-step:nth-child(3) .be-hiw-step-num { background: rgba(0,194,168,.12); color: var(--be-teal); border: 2px solid var(--be-teal); }

.be-hiw-step-icon { font-size: 28px; margin-bottom: 16px; }
.be-hiw-step-title { font-family: 'Manrope', sans-serif; font-size: 18px; font-weight: 700; color: var(--be-navy); margin-bottom: 8px; }
.be-hiw-step-desc { font-size: 14px; color: var(--be-muted); line-height: 1.6; }
.be-hiw-cta { text-align: center; margin-top: 56px; }

/* ═══════════════════════════════════════════════════════════════
   LOAN TYPES
═══════════════════════════════════════════════════════════════ */
.be-loan-types { padding: 96px 48px; background: var(--be-offwhite); }
.be-loan-types-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.be-loan-type-card {
  background: var(--be-white); border-radius: var(--radius-lg);
  padding: 32px; border: 1.5px solid var(--be-border);
  transition: transform .2s, box-shadow .2s, border-color .2s;
  cursor: pointer;
}
.be-loan-type-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); border-color: var(--be-teal); }
.be-loan-type-icon { font-size: 36px; margin-bottom: 16px; }
.be-loan-type-title { font-family: 'Manrope', sans-serif; font-size: 18px; font-weight: 700; color: var(--be-navy); margin-bottom: 8px; }
.be-loan-type-desc { font-size: 14px; color: var(--be-muted); line-height: 1.6; margin-bottom: 20px; }
.be-loan-type-range {
  display: inline-block; background: rgba(0,194,168,.1); color: var(--be-teal-dark);
  font-size: 12px; font-weight: 700; padding: 4px 10px; border-radius: 20px; letter-spacing: .04em;
}
.be-loan-type-link { display: block; margin-top: 16px; color: var(--be-coral); font-size: 13px; font-weight: 600; text-decoration: none; }
.be-loan-type-link:hover { text-decoration: underline; }

/* ═══════════════════════════════════════════════════════════════
   TESTIMONIALS
═══════════════════════════════════════════════════════════════ */
.be-testimonials { padding: 96px 48px; background: var(--be-white); }
.be-testimonials-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.be-testi-card {
  background: var(--be-offwhite); border-radius: var(--radius-lg);
  padding: 28px; border: 1px solid var(--be-border);
}
.be-testi-stars { color: var(--be-yellow); font-size: 16px; margin-bottom: 14px; letter-spacing: 2px; }
.be-testi-text { font-size: 14px; color: var(--be-text); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.be-testi-author { display: flex; align-items: center; gap: 12px; }
.be-testi-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 15px; color: var(--be-white); flex-shrink: 0;
}
.be-testi-name { font-size: 13px; font-weight: 700; color: var(--be-navy); }
.be-testi-meta { font-size: 12px; color: var(--be-teal); font-weight: 500; }

/* ═══════════════════════════════════════════════════════════════
   FAQ
═══════════════════════════════════════════════════════════════ */
.be-faq { padding: 96px 48px; background: var(--be-offwhite); }
.be-faq-inner { max-width: 760px; margin: 0 auto; }
.be-faq-item {
  background: var(--be-white); border-radius: var(--radius-md);
  border: 1px solid var(--be-border); margin-bottom: 12px; overflow: hidden;
  transition: box-shadow .2s;
}
.be-faq-item:hover { box-shadow: var(--shadow-card); }
.be-faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px; cursor: pointer; gap: 16px;
}
.be-faq-q-text { font-size: 15px; font-weight: 600; color: var(--be-navy); }
.be-faq-icon {
  width: 24px; height: 24px; border-radius: 50%; background: var(--be-offwhite);
  border: 1.5px solid var(--be-border); display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; font-size: 16px; color: var(--be-muted); transition: all .25s;
}
.be-faq-item.be-open .be-faq-icon { background: var(--be-teal); border-color: var(--be-teal); color: white; transform: rotate(45deg); }
.be-faq-a {
  padding: 0 24px; max-height: 0; overflow: hidden;
  font-size: 14px; color: var(--be-muted); line-height: 1.7;
  transition: max-height .35s ease, padding .35s ease;
}
.be-faq-item.be-open .be-faq-a { max-height: 300px; padding: 0 24px 20px; }

/* ═══════════════════════════════════════════════════════════════
   CTA BANNER
═══════════════════════════════════════════════════════════════ */
.be-cta-banner {
  background: linear-gradient(135deg, var(--be-navy) 0%, var(--be-navy-mid) 100%);
  padding: 80px 48px; text-align: center; position: relative; overflow: hidden;
}
.be-cta-banner::before {
  content: ''; position: absolute; top: -80px; right: -60px; width: 320px; height: 320px;
  background: radial-gradient(circle, rgba(0,194,168,.18) 0%, transparent 70%); pointer-events: none;
}
.be-cta-banner::after {
  content: ''; position: absolute; bottom: -60px; left: -40px; width: 240px; height: 240px;
  background: radial-gradient(circle, rgba(255,107,82,.12) 0%, transparent 70%); pointer-events: none;
}
.be-cta-banner-inner { max-width: 640px; margin: 0 auto; position: relative; z-index: 1; }
.be-cta-banner-title {
  font-family: 'Manrope', sans-serif; font-size: clamp(26px, 3vw, 40px);
  font-weight: 800; color: var(--be-white); margin-bottom: 12px;
}
.be-cta-banner-sub { font-size: 15px; color: rgba(255,255,255,.65); margin-bottom: 32px; line-height: 1.6; }
.be-cta-banner-btn {
  background: var(--be-coral); color: var(--be-white); border: none; border-radius: 50px;
  padding: 16px 40px; font-size: 16px; font-weight: 700;
  cursor: pointer; box-shadow: var(--shadow-btn); transition: background .2s, transform .15s;
}
.be-cta-banner-btn:hover { background: var(--be-coral-dark); transform: translateY(-2px); }
.be-cta-banner-fine { font-size: 12px; color: rgba(255,255,255,.35); margin-top: 14px; }

/* ═══════════════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════════════ */
.be-footer { background: var(--be-navy); padding: 64px 48px 32px; }
.be-footer-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.be-footer-brand-logo { display: flex; align-items: center; gap: 8px; margin-bottom: 16px; }
.be-footer-brand-logo-icon {
  
  display: flex; align-items: center; justify-content: center;
  color: var(--be-teal); font-family: 'Manrope', sans-serif; font-weight: 800; font-size: 15px;
}
.be-footer-brand-logo-icon img {
  width: 30px;
}

.be-footer-brand-logo-text { font-family: 'Manrope', sans-serif; font-weight: 700; font-size: 16px; color: var(--be-white); }
.be-footer-brand-logo-text span { color: #0065fd; }
.be-footer-brand-desc { font-size: 13px; color: rgba(255,255,255,.45); line-height: 1.7; margin-bottom: 20px; max-width: 280px; }
.be-footer-social { display: flex; gap: 10px; }
.be-footer-social-btn {
  width: 34px; height: 34px; border-radius: 8px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12);
  color: rgba(255,255,255,.5); font-size: 14px;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; transition: all .2s; text-decoration: none;
}
.be-footer-social-btn img {
  width: 25px;
  fill: #000;
}


.be-footer-social-btn:hover { background: rgba(0,194,168,.2); border-color: var(--be-teal); color: var(--be-teal); }
.be-footer-col-title { font-size: 12px; font-weight: 700; letter-spacing: .1em; color: rgba(255,255,255,.3); text-transform: uppercase; margin-bottom: 16px; }
.be-footer-col-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.be-footer-col-links a { text-decoration: none; color: rgba(255,255,255,.55); font-size: 14px; transition: color .2s; }
.be-footer-col-links a:hover { color: var(--be-teal); }
.be-footer-bottom {
  max-width: 1100px; margin: 0 auto;
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 28px; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px;
}
.be-footer-copy { font-size: 12px; color: rgba(255,255,255,.3); }
.be-footer-legal { display: flex; gap: 20px; }
.be-footer-legal a { font-size: 12px; color: rgba(255,255,255,.3); text-decoration: none; transition: color .2s; }
.be-footer-legal a:hover { color: rgba(255,255,255,.6); }
.be-footer-disclaimer {
  max-width: 1100px; margin: 20px auto 0;
  font-size: 11px; color: rgba(255,255,255,.2); line-height: 1.7;
}

/* ═══════════════════════════════════════════════════════════════
   PROGRESS BAR
═══════════════════════════════════════════════════════════════ */
.be-progress-wrap {
  background: var(--be-navy); padding: 0 48px;
  position: sticky; top: 64px; z-index: 190; display: none;
}
.be-progress-wrap.be-active { display: block; }
.be-progress-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; padding: 16px 0;
}
.be-progress-steps { display: flex; align-items: center; flex: 1; }
.be-step-col { display: flex; flex-direction: column; align-items: center; }
.be-step-circle {
  width: 32px; height: 32px; border-radius: 50%;
  border: 2px solid rgba(255,255,255,.2); color: rgba(255,255,255,.35);
  font-size: 12px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  transition: all .3s;
}
.be-step-circle.be-done { background: var(--be-teal); border-color: var(--be-teal); color: var(--be-navy); }
.be-step-circle.be-current { background: var(--be-coral); border-color: var(--be-coral); color: white; }
.be-step-label { font-size: 10px; font-weight: 600; letter-spacing: .05em; color: rgba(255,255,255,.35); text-transform: uppercase; margin-top: 5px; white-space: nowrap; }
.be-step-label.be-done, .be-step-label.be-current { color: rgba(255,255,255,.75); }
.be-step-line { flex: 1; height: 2px; background: rgba(255,255,255,.12); margin: 0 6px; margin-bottom: 18px; transition: background .3s; }
.be-step-line.be-done { background: var(--be-teal); }
.be-progress-save {
  background: transparent; border: 1.5px solid rgba(255,255,255,.25);
  color: rgba(255,255,255,.7); border-radius: 50px; padding: 8px 18px;
  font-size: 13px; font-weight: 600; cursor: pointer; transition: all .2s;
  white-space: nowrap; margin-left: 24px;
}
.be-progress-save:hover { border-color: var(--be-teal); color: var(--be-teal); }

/* ═══════════════════════════════════════════════════════════════
   FUNNEL STEPS
═══════════════════════════════════════════════════════════════ */
.be-funnel-section { padding: 56px 48px; max-width: 1100px; margin: 0 auto; display: none; }
.be-funnel-section.be-active { display: block; animation: beFadeSlide .35s ease forwards; }
@keyframes beFadeSlide { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }
.be-funnel-grid { display: grid; grid-template-columns: 1fr 320px; gap: 32px; }

/* Step Card */
.be-step-card {
  background: var(--be-white); border-radius: var(--radius-lg);
  padding: 40px; box-shadow: var(--shadow-card); border: 1px solid var(--be-border);
}
.be-step-eyebrow { font-size: 11px; font-weight: 600; letter-spacing: .1em; color: var(--be-teal); text-transform: uppercase; margin-bottom: 8px; }
.be-step-heading { font-family: 'Manrope', sans-serif; font-size: 24px; font-weight: 800; color: var(--be-navy); margin-bottom: 4px; }
.be-step-desc { font-size: 14px; color: var(--be-muted); margin-bottom: 32px; line-height: 1.6; }

/* Purpose Grid */
.be-purpose-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 32px; }
.be-purpose-opt {
  border: 2px solid var(--be-border); border-radius: var(--radius-md);
  padding: 16px 18px; cursor: pointer; transition: all .2s;
  display: flex; align-items: center; gap: 12px;
}
.be-purpose-opt:hover { border-color: var(--be-teal); background: rgba(0,194,168,.04); }
.be-purpose-opt.be-selected { border-color: var(--be-teal); background: rgba(0,194,168,.07); }
.be-purpose-opt input { display: none; }
.be-purpose-icon { width: 36px; height: 36px; border-radius: 8px; background: var(--be-offwhite); display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
.be-purpose-text { font-size: 14px; font-weight: 600; color: var(--be-text); }

/* Slider */
.be-amount-display { font-family: 'Manrope', sans-serif; font-size: 48px; font-weight: 800; color: var(--be-navy); margin-bottom: 10px; }
.be-range-wrap { position: relative; margin-bottom: 6px; }
.be-range-slider {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 3px;
  background: linear-gradient(to right, var(--be-teal) var(--pct, 28%), var(--be-border) var(--pct, 28%));
  outline: none; cursor: pointer;
}
.be-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--be-white); border: 3px solid var(--be-teal);
  box-shadow: 0 2px 8px rgba(0,194,168,.35); cursor: pointer;
}
.be-range-slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: var(--be-white);
  border: 3px solid var(--be-teal); box-shadow: 0 2px 8px rgba(0,194,168,.35); cursor: pointer;
}
.be-range-labels { display: flex; justify-content: space-between; font-size: 12px; color: var(--be-muted); margin-bottom: 32px; }

/* Form Fields */
.be-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 32px; }
.be-field { display: flex; flex-direction: column; gap: 6px; margin:10px;}
.be-field.be-field-full { grid-column: 1 / -1; }
.be-field label { font-size: 12px; font-weight: 600; color: var(--be-muted); text-transform: uppercase; letter-spacing: .06em; }
.be-field input, .be-field select {
  border: 1.5px solid var(--be-border); border-radius: var(--radius-sm);
  padding: 12px 14px; font-size: 14px; color: var(--be-text); font-family: inherit;
  outline: none; transition: border-color .2s, box-shadow .2s; background: var(--be-white);
  -webkit-appearance: none; appearance: none;
}
.be-field input:focus, .be-field select:focus { border-color: var(--be-teal); box-shadow: 0 0 0 3px rgba(0,194,168,.1); }
.be-field input.be-err, .be-field select.be-err { border-color: var(--be-coral) !important; box-shadow: 0 0 0 3px rgba(255,107,82,.1) !important; }
.be-field-error { font-size: 12px; color: var(--be-coral); margin-top: 3px; font-weight: 500; display: none; }
.be-field-error.be-show { display: block; }
.be-field-prefix-wrap { position: relative; }
.be-field-prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-size: 14px; color: var(--be-muted); }
.be-field-prefix-wrap input { padding-left: 28px; }

/* ============================================
   DROPDOWN (SELECT) STYLES - FIXED
   ============================================ */

/* Select Wrapper */
.be-select-wrap {
    position: relative;
    display: block;
    width: 100%;
    overflow: visible !important; /* Ensure arrow isn't cut off */
}

.be-select-wrap select {
    width: 100%;
    padding: 12px 45px 12px 16px !important;
    font-size: 16px;
    font-family: inherit;
    color: #1a202c;
    background: #ffffff;
    border: 1.5px solid var(--be-border);
    border-radius: var(--radius-sm);
    appearance: none !important;
    -webkit-appearance: none !important;
    -moz-appearance: none !important;
    cursor: pointer;
    transition: all 0.3s ease;
    box-sizing: border-box;
    outline: none;
}

/* Remove default arrow in all browsers */
.be-select-wrap select::-ms-expand {
    display: none;
}

/* Custom Arrow - INSIDE the select */
.be-select-wrap::after {
    content: '▼';
    position: absolute;
    right: 14px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 10px;
    color: #6b7a99;
    pointer-events: none;
    z-index: 2;
    transition: transform 0.3s ease;
}

/* Rotate arrow when select is focused */
.be-select-wrap select:focus ~ .be-select-arrow,
.be-select-wrap select:focus + .be-select-arrow {
    transform: translateY(-50%) rotate(180deg);
}

/* Focus state */
.be-select-wrap select:focus {
    border-color: var(--be-teal) !important;
    box-shadow: 0 0 0 3px rgba(0,194,168,0.1);
}

/* Hover state */
.be-select-wrap select:hover {
    border-color: #b0c4de;
}

/* Disabled state */
.be-select-wrap select:disabled {
    background: #f7fafc;
    cursor: not-allowed;
    opacity: 0.7;
}

/* Error state */
.be-select-wrap select.error {
    border-color: var(--be-coral) !important;
    box-shadow: 0 0 0 3px rgba(255,107,82,0.1) !important;
}

/* Success state */
.be-select-wrap select.success {
    border-color: var(--be-teal) !important;
}

/* For Firefox - remove default arrow */
@-moz-document url-prefix() {
    .be-select-wrap select {
        padding: 12px 45px 12px 16px !important;
    }
}

/* For Edge/IE */
.be-select-wrap select::-ms-expand {
    display: none;
}

/* Responsive */
@media (max-width: 768px) {
    .be-select-wrap select {
        padding: 10px 40px 10px 14px !important;
        font-size: 15px;
    }
    
    .be-select-wrap::after {
        right: 12px;
        font-size: 9px;
    }
}

/* Credit Options */
.be-credit-opts { display: flex; flex-direction: column; gap: 10px; margin-bottom: 32px; }
.be-credit-opt {
  border: 2px solid var(--be-border); border-radius: var(--radius-md);
  padding: 14px 20px; cursor: pointer; display: flex; align-items: center; justify-content: space-between;
  transition: all .2s;
}
.be-credit-opt:hover { border-color: var(--be-teal); }
.be-credit-opt.be-selected { border-color: var(--be-teal); background: rgba(0,194,168,.06); }
.be-credit-opt input { display: none; }
.be-credit-label { font-size: 15px; font-weight: 600; color: var(--be-text); }
.be-credit-range { font-size: 12px; color: var(--be-muted); margin-top: 1px; }
.be-credit-bar { height: 5px; border-radius: 3px; margin-top: 6px; }

/* Contact grid */
.be-contact-grid {grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 32px; }

/* Offers */
.be-offers-list { display: flex; flex-direction: column; gap: 14px; margin-bottom: 20px; }
.be-offer-card {
  border: 2px solid var(--be-border); border-radius: var(--radius-md);
  padding: 20px 24px; display: flex; align-items: center; justify-content: space-between;
  transition: all .2s; gap: 16px;
}
.be-offer-card:hover { border-color: var(--be-teal); box-shadow: 0 4px 16px rgba(0,194,168,.1); }
.be-offer-highlight { border-color: var(--be-coral); background: rgba(255,107,82,.02); }
.be-offer-lender { font-weight: 700; color: var(--be-navy); font-size: 15px; }
.be-offer-apr { font-size: 12px; color: var(--be-muted); margin-top: 3px; }
.be-offer-term { font-size: 12px; color: var(--be-muted); }
.be-offer-monthly { font-size: 13px; font-weight: 600; color: var(--be-teal); margin-top: 4px; }
.be-offer-badge {
  background: var(--be-coral); color: white; font-size: 10px; font-weight: 700;
  letter-spacing: .05em; padding: 2px 8px; border-radius: 20px; margin-left: 8px;
}
.be-offer-right { display: flex; flex-direction: column; align-items: flex-end; gap: 8px; flex-shrink: 0; }
.be-offer-btn {
  background: var(--be-coral); color: var(--be-white); border: none; border-radius: 50px;
  padding: 10px 20px; font-size: 13px; font-weight: 700;
  cursor: pointer; transition: background .2s; white-space: nowrap;
}
.be-offer-btn:hover { background: var(--be-coral-dark); }
.be-offer-rating { font-size: 12px; color: var(--be-yellow); letter-spacing: 1px; }

/* Step Actions */
.be-step-actions { display: flex; align-items: center; gap: 12px; }
.be-btn-back {
  background: transparent; border: 1.5px solid var(--be-border); color: var(--be-muted);
  border-radius: 50px; padding: 12px 24px; font-size: 14px; font-weight: 600;
  cursor: pointer; transition: all .2s; font-family: inherit;
}
.be-btn-back:hover { border-color: var(--be-navy); color: var(--be-navy); }
.be-btn-continue {
  flex: 1; padding: 14px; background: var(--be-coral); color: var(--be-white);
  border: none; border-radius: 50px; font-size: 15px; font-weight: 700;
  cursor: pointer; box-shadow: var(--shadow-btn); transition: background .2s, transform .15s; font-family: inherit;
}
.be-btn-continue:hover { background: var(--be-coral-dark); transform: translateY(-1px); }

/* Sidebar */
.be-sidebar { display: flex; flex-direction: column; gap: 18px; }
.be-sidebar-trust { background: var(--be-navy); border-radius: var(--radius-lg); padding: 24px; color: var(--be-white); }
.be-sidebar-trust-title { font-family: 'Manrope', sans-serif; font-weight: 700; font-size: 15px; margin-bottom: 16px; color: var(--be-white); }
.be-trust-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 12px; font-size: 13px; color: rgba(255,255,255,.65); line-height: 1.45; }
.be-trust-item:last-child { margin-bottom: 0; }
.be-trust-check { width: 18px; height: 18px; border-radius: 50%; background: var(--be-teal); color: var(--be-navy); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; font-size: 10px; font-weight: 800; }
.be-sidebar-quote { background: var(--be-white); border-radius: var(--radius-md); padding: 20px; border: 1px solid var(--be-border); }
.be-sidebar-quote-mark { font-size: 28px; color: var(--be-teal); line-height: 1; margin-bottom: 8px; }
.be-sidebar-quote-text { font-size: 13px; color: var(--be-text); line-height: 1.65; font-style: italic; margin-bottom: 12px; }
.be-sidebar-quote-author { font-size: 12px; font-weight: 600; color: var(--be-muted); }
.be-sidebar-security { background: var(--be-white); border-radius: var(--radius-md); padding: 18px 20px; border: 1px solid var(--be-border); display: flex; align-items: center; gap: 12px; }
.be-sidebar-security-icon { font-size: 24px; flex-shrink: 0; }
.be-sidebar-security-text strong { font-size: 13px; font-weight: 700; color: var(--be-navy); display: block; }
.be-sidebar-security-text span { font-size: 12px; color: var(--be-muted); }
.be-sidebar-mini-stats { background: var(--be-white); border-radius: var(--radius-md); padding: 20px; border: 1px solid var(--be-border); display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.be-sidebar-stat-val { font-family: 'Manrope', sans-serif; font-size: 20px; font-weight: 800; color: var(--be-navy); }
.be-sidebar-stat-label { font-size: 11px; color: var(--be-muted); margin-top: 2px; }

/* ═══════════════════════════════════════════════════════════════
   LOADING SCREEN
═══════════════════════════════════════════════════════════════ */
.be-loading-overlay {
  display: none; position: fixed; inset: 0; z-index: 300;
  background: var(--be-white);
  flex-direction: column; align-items: center; justify-content: center;
  text-align: center; padding: 32px;
}
.be-loading-overlay.be-active { display: flex; }
.be-loading-spinner-wrap { margin-bottom: 32px; }
.be-loading-ring {
  width: 80px; height: 80px; border-radius: 50%;
  border: 4px solid var(--be-border);
  border-top-color: var(--be-teal);
  border-right-color: var(--be-coral);
  animation: beSpinRing 1.1s linear infinite;
  margin: 0 auto;
}
@keyframes beSpinRing { to { transform: rotate(360deg); } }
.be-loading-title { font-family: 'Manrope', sans-serif; font-size: 22px; font-weight: 800; color: var(--be-navy); margin-bottom: 8px; }
.be-loading-sub { font-size: 14px; color: var(--be-muted); margin-bottom: 36px; }
.be-loading-steps { display: flex; flex-direction: column; gap: 14px; max-width: 320px; width: 100%; }
.be-loading-step { display: flex; align-items: center; gap: 12px; font-size: 14px; color: var(--be-muted); }
.be-loading-step-dot { width: 22px; height: 22px; border-radius: 50%; border: 2px solid var(--be-border); flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 10px; transition: all .4s; }
.be-loading-step-dot.be-done-dot { background: var(--be-teal); border-color: var(--be-teal); color: white; font-weight: 800; }
.be-loading-step-dot.be-spin-dot { border-top-color: var(--be-teal); animation: beSpinRing .8s linear infinite; }
.be-loading-step.be-done-step { color: var(--be-navy); font-weight: 600; }

/* ═══════════════════════════════════════════════════════════════
   OFFER DETAIL MODAL
═══════════════════════════════════════════════════════════════ */
.be-modal-backdrop {
  display: none; position: fixed; inset: 0; z-index: 400;
  background: rgba(13,31,60,.55); backdrop-filter: blur(4px);
  align-items: center; justify-content: center; padding: 24px;
}
.be-modal-backdrop.be-active { display: flex; }
.be-modal {
  background: var(--be-white); border-radius: var(--radius-lg);
  padding: 36px; max-width: 540px; width: 100%;
  box-shadow: var(--shadow-modal); animation: beModalIn .3s ease;
  position: relative;
}
@keyframes beModalIn { from { opacity: 0; transform: scale(.95) translateY(12px); } to { opacity: 1; transform: scale(1) translateY(0); } }
.be-modal-close {
  position: absolute; top: 16px; right: 16px;
  width: 32px; height: 32px; border-radius: 50%; background: var(--be-offwhite);
  border: 1px solid var(--be-border); cursor: pointer; font-size: 18px; color: var(--be-muted);
  display: flex; align-items: center; justify-content: center; transition: all .2s;
}
.be-modal-close:hover { background: var(--be-border); color: var(--be-navy); }
.be-modal-badge { display: inline-block; background: rgba(255,107,82,.1); color: var(--be-coral); font-size: 11px; font-weight: 700; padding: 4px 10px; border-radius: 20px; margin-bottom: 12px; }
.be-modal-lender-name { font-family: 'Manrope', sans-serif; font-size: 22px; font-weight: 800; color: var(--be-navy); margin-bottom: 6px; }
.be-modal-rating { color: var(--be-yellow); font-size: 15px; margin-bottom: 24px; letter-spacing: 2px; }
.be-modal-details { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; background: var(--be-offwhite); border-radius: var(--radius-md); padding: 20px; margin-bottom: 24px; }
.be-modal-detail-label { font-size: 11px; font-weight: 600; color: var(--be-muted); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 4px; }
.be-modal-detail-val { font-size: 18px; font-weight: 700; color: var(--be-navy); }
.be-modal-features { margin-bottom: 28px; }
.be-modal-feature { display: flex; align-items: center; gap: 10px; font-size: 13px; color: var(--be-text); margin-bottom: 10px; }
.be-modal-feature-icon { color: var(--be-teal); font-weight: 700; }
.be-modal-cta { width: 100%; padding: 15px; background: var(--be-coral); color: white; border: none; border-radius: 50px; font-size: 15px; font-weight: 700; cursor: pointer; box-shadow: var(--shadow-btn); transition: background .2s; font-family: inherit; }
.be-modal-cta:hover { background: var(--be-coral-dark); }
.be-modal-fine { text-align: center; font-size: 11px; color: var(--be-muted); margin-top: 10px; }

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════════ */
@media (max-width: 960px) {
  .be-hero-inner { grid-template-columns: 1fr; }
  .be-quick-form { max-width: 520px; }
  .be-funnel-grid { grid-template-columns: 1fr; }
  .be-sidebar { display: none; }
  .be-stats-inner { grid-template-columns: repeat(2, 1fr); }
  .be-hiw-steps { grid-template-columns: 1fr; }
  .be-loan-types-grid { grid-template-columns: 1fr 1fr; }
  .be-testimonials-grid { grid-template-columns: 1fr; }
  .be-footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 720px) {
  .be-nav { padding: 0 20px; }
  .be-nav-links, .be-nav-cta { display: none; }
  .be-nav-hamburger { display: flex; }
  .be-hero { padding: 48px 24px 64px; }
  .be-hero-inner { gap: 40px; }
  .be-hiw, .be-loan-types, .be-testimonials, .be-faq, .be-cta-banner, .be-stats-bar { padding: 64px 24px; }
  .be-proof-strip { padding: 16px 24px; }
  .be-proof-inner { gap: 16px; }
  .be-funnel-section { padding: 24px 16px; }
  .be-step-card { padding: 24px 20px; }
  .be-progress-wrap { padding: 0 16px; }
  .be-form-grid, .be-contact-grid { grid-template-columns: 1fr; }
  .be-purpose-grid { grid-template-columns: 1fr; }
  .be-quick-form-row { grid-template-columns: 1fr; }
  .be-loan-types-grid { grid-template-columns: 1fr; }
  .be-footer { padding: 48px 24px 28px; }
  .be-footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .be-modal { padding: 24px; }
  .be-modal-details { grid-template-columns: 1fr 1fr; }
  .be-amount-display { font-size: 36px; }
  .be-step-label { display: none; }
}
@media (max-width: 480px) {
  .be-stats-inner { grid-template-columns: 1fr 1fr; gap: 24px; }
  .be-offer-card { flex-direction: column; align-items: flex-start; }
  .be-offer-right { align-items: flex-start; }
  .be-offer-btn { width: 100%; text-align: center; }
}
.be-residence-opts {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;

  width: 100%;
}
.be-residence-opt {
  flex: 1 1 120px;              /* equal widths, wraps when tight */
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 12px 14px;
  border: 1.5px solid var(--be-border, #d9e2e6);
  border-radius: 10px;
  background: #ffffff;
  color: var(--be-navy, #0e2b3c);
  font-size: 14px;
  font-weight: 600;
  line-height: 1;
  cursor: pointer;
  user-select: none;
  transition: all 0.15s ease;
  white-space: nowrap;
  min-width: 0;                 /* allow shrink on narrow screens */
  box-sizing: border-box;
}
.be-residence-opt input { display: none; }
.be-residence-opt:hover { border-color: var(--be-teal, #2a9d8f); }
.be-residence-opt.be-selected {
  border-color: var(--be-teal, #2a9d8f);
  background: rgba(42,157,143,0.08);
  color: var(--be-teal, #2a9d8f);
}

/* Custom checkbox — small square with a white tick when checked */
.be-checkbox {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 14px;
  height: 14px;
  min-width: 14px;
  margin-top: 2px;
  border: 1.5px solid #c4cfd4;
  border-radius: 3px;
  background: #ffffff;
  transition: all 0.15s ease;
  flex-shrink: 0;
  position: relative;
}

/* SVG tick is hidden by default */
.be-checkbox svg {
  opacity: 0;
  transform: scale(0.6);
  transition: all 0.15s ease;
}

/* When the native checkbox is checked, style the custom span + show tick */
input[type="checkbox"]:checked + .be-checkbox {
  background: var(--be-teal, #2a9d8f);
  border-color: var(--be-teal, #2a9d8f);
}

input[type="checkbox"]:checked + .be-checkbox svg {
  opacity: 1;
  transform: scale(1);
}

/* Hover + focus states */
input[type="checkbox"]:hover + .be-checkbox {
  border-color: var(--be-teal, #2a9d8f);
}

input[type="checkbox"]:focus-visible + .be-checkbox {
  outline: 2px solid var(--be-teal, #2a9d8f);
  outline-offset: 2px;
}

/* Error state (optional — when validation fails) */
input[type="checkbox"].be-err + .be-checkbox {
  border-color: #f07052;
  box-shadow: 0 0 0 3px rgba(240,112,82,0.15);
}

.be-residence-opt input {
  display: none;                /* hide the radio */
}

.be-residence-opt:hover {
  border-color: var(--be-teal, #2a9d8f);
}

.be-residence-opt.be-selected {
  border-color: var(--be-teal, #2a9d8f);
  background: rgba(42, 157, 143, 0.08);
  color: var(--be-teal, #2a9d8f);
}

.be-residence-opt .be-purpose-icon {
  font-size: 16px;
  line-height: 1;
  display: inline-flex;
  align-items: center;
}

.be-residence-opt .be-purpose-text {
  display: inline-block;
  line-height: 1;
}

/* Small screens: allow buttons to shrink but keep on one row if possible */
@media (max-width: 480px) {
  .be-residence-opts {
    gap: 8px;
  }
  .be-residence-opt {
    flex: 1 1 0;
    padding: 10px 8px;
    font-size: 13px;
    gap: 4px;
  }
  .be-residence-opt .be-purpose-icon {
    font-size: 14px;
  }
}